KONSEP LEMBAGA PENJAMIN SIMPANAN PADA KOPERASI INDONESIA

Abstract

Based on data from the Indonesia Ministry of Cooperatives and UMKM until 2015, the number of cooperatives in Indonesia reached 212.135 with the distribution of active cooperatives totaling 150,223 and inactive cooperatives reaching 61,912. These inactive cooperatives can have implications for members as creditors in the event of a bottleneck in the disbursement of funds belonging to cooperative members. This study aims to examine the arrangement of deposit insurance institutions in cooperatives as well as the concept of deposit insurance institutions in cooperatives. The results of this study state that the regulation of deposit insurance institutions in cooperatives is not specifically regulated in Law Number 25 of 1992 concerning Cooperatives. The establishment of a guarantor institution for cooperatives in Indonesia is a necessity to immediately establish a cooperative deposit guarantor institution by revising Law Number 25 of 1992 concerning Cooperatives by including the deposit guarantor institution in the cooperatives.