TINGKAT PENGETAHUAN HUKUM DAN BUDAYA HUKUM NASABAH DALAM PELAKSANAAN PERJANJIAN KREDIT BANK (Kajian Socio Legal Pada Nasabah Bank Bukopin Boyolali — Wilayah Kerja KUD Kecamatan Sambi Kabupaten Boyolali)

Abstract

The work of a legal system is merely inseparable with the influence of a legal culture, that values, hopes and attitudes from which a social force is being composed. In accordance to those, the practice of loan agreement at Bank Bukopin Boyolali, can be seen through the customers, legal culture as to that of the state of customers' legal knowledge. What is meant here is that by knowing the two aspects, an overview on the role of customers' ability to understand the substantive of the agreement and the role of customers legal culture might enhance a positive lega culture reflected within the customers' obedience attitude towards the agreement. The research held for this thesis was based on the qualitative method by using the approach of sosio legal research. In relation to those, the chosen strategy was the micro sociology — qualitative — inductive — explanatory. Through those research system, such a role disability in form of forming a positive legal culture dealing with the work of loan agreement at Bank Bukopin Boyolali, simply comes up and even vicious. The existing role disability is at the very first place simply caused by the lack of understanding on legal knowledge within the customers' mind. Consequently, it has something to do with the degree of understanding the substantive oh the loan agreement itself. Secondly, surch role disability was as well caused by the existing culture of ewuh pakewuh (Javanese Term) within the life of the customers. Too, a state of misperception on the disperformance contributes to such existence. Being late in paying the debt, interest, and penalty by the customers are all seen to be the matters that must be tolerate by the bank. Developing the legal knowledge at the side of the customers is then considered to be the prior matter to be arranged in order to shape such a positive legal culture in the work of loan agreement.