Kedudukan Hukum Lembaga Perkreditan Desa (LPD) Dalam Sistem Lembaga Keuangan Mikro

Abstrak—Lembaga Perkreditan Desa (LPD) sebagi suatu organisasi yang berdiri khususnya untuk masyarakat Desa Pakraman yang sejahtera, Lembaga Perkreditan Desa tidakmemberikan pelayanan diluar dari wilayah Desa Pakraman tempat Lembaga Perkreditan Desa yang bersangkutan melakukan operasional. Pendirian Lembaga Perkreditan Desa sudah dilaksanakan serta keberadaannya diatur didalam Peraturan Daerah yaitu PERDA Provinsi Bali Nomor 8 Tahun 2002 mengenai LPD, yang saat ini sudah tergantikan jadi PERDA Provinsi Bali Nomor 3 Tahun 2017. Peraturan Daerah itu berisikan aturan tentang syarat–syarat mendirikan Lembaga Perkreditan Desa. Adapun rumusan masalahnya yaitu: 1) Bagaimana kedudukan hukum LPD didalam sistem Lembaga Keuangan Mikro? 2) Bagaimana peran LPD didalam sistem Lembaga Keuangan Mikro? Metode penelitian yang digunakan adalah penelitian hukum normatif. Sumber bahan hukum yang akan digunakan yakni sumber penelitian dari bahan primer, sekunder dan tersier. Teknik pengumpulan bahan hukum primer ataupun sekunder terkumpul berdasar topik masalah yang sudah dibuat rumusannya menggunakan sistem bola salju serta disklasifikasi menurut sumber juga hierarki agar disajikan dengan lengkap. Analisa bahan hukum dengan interprestasi hukum dan disajikan didalam bentuk deskripsi analisis. Kedudukan hukum LPD yang memiliki basis masyarakat hukum adat di Bali didalam sistim Lembaga Keuangan Mikro berdasarkan UU Nomor 10 Tahun 1998 mengenai Perbankan yaitu tidak bisa disamakan. LPD memiliki fungsi yang sangat penting karena sampai saat ini sudah melakukan pelayanan UMK serta masyarakat pedesaan di Bali lewat layanan jasa keuangan yang dilaksanakan menyesuaikan kebutuhan pelanggan, pendekatan personal, juga dekatnya lokasi dengan pelanggan.  Abstract—Village Credit Institutions (LPD) as an institution established specifically for the sake of the welfare of the Pakraman Village community, Village Credit Institutions do not serve outside of the Pakraman Village area where the Village Credit Institution operates. The establishment of Village Credit Institutions (LPDs) began to be carried out and the existence of LPDs was regulated under Regional Regulation (PERDA) namely Bali Provincial Regulation Number 8 of 2002 concerning Village Credit Institutions (LPD), which have now been changed to Bali Provincial Regulation Number 3 of 2017. The Regional Regulation regulates the conditions for the Establishment of Village Credit Institutions (LPD). The problem statement is: 1) What is the legal position of the Village Credit Institution (LPD) in the Micro Finance Institution system? 2) What is the role of Village Credit Institutions (LPDs) in the Micro Finance Institution system? The research method used is normative legal research. The source of legal material that will be used is the research source of primary, secondary and tertiary materials. The techniques for collecting primary and secondary legal materials were collected based on the topic of the program which had been formulated based on the snowball system and disclassified according to sources and hierarchies to be presented comprehensively. Analysis of legal materials with legal interpretation and presented in the form of analysis descriptions. The legal position of the Village Credit Institution based on the customary law community in Bali in the Micro Kauangan Institution system according to Law Number 10 of 1998 concerning Banking cannot be equated. The Village Credit Institution has a very strategic role because so far it has been serving small micro enterprises (MSEs) and rural communities in Bali through financial services that are carried out in accordance with customer needs, personal approaches, and proximity to customers. &nbsp