Harmonisasi Dan Sinkronisasi Peraturan Hukum Perkoperasian Dan Lembaga Keuangan Mikro

Abstract

Keywords: Synchronization, Cooperatives, the Finance Institution Micro AbstrakKehadiran Undang Undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro, telah memunculkan problem hukum bagi badan usaha Koperasi, karena Koperasi yang bergerak di bidang jasa keuangan diatur oleh dua macam regulasi, yaitu peraturan perundangan perkoperasian dan peraturan Lembaga Keuangan Mikro (LKM). Adanya dualisme peraturan hukum ini telah menimbulkan tumpang-tindih pengaturan, pengawasan dan pembinaan oleh instansi terkait, serta adanya kontradiksi-kontradiksi pengaturannya di antara satu dengan lainnya. Problem hukum itu memerlukan pemecahannya melalui harmonisasi dan sinkronisasi peraturan perundangan yang berkaitan dengan LKM Koperasi.

Policy analysis of micro Waqf banks in Indonesia

“…The process of group formation, in which the ability of the individual is same assessed as an effective form of empowerment if collected for learning, analyzing problems together, and designing solutions in solving problems; and c. Mentoring, which analyzes problems and designs group activity programs, requires assistance as a driving force to convince its potential. Assistance is expected only to regulate the group to be independent; From the three processes above, it is hoped that an increase in economic empowerment and productivity of the middle-class community and MSMEs must foster independence, togetherness, and entrepreneurship (Muhtarom, 2014;Octrona & Mariam, 2021). The micro Waqf bank in Indonesia intends to grow access to microscale funding for the community, increase economic empowerment and community productivity, and help increase community income and welfare, especially for those less fortunate or low-income (Deti, 2017).…”