Necessity of Regulation Governing the Establishment of Sharia-Based Cooperative Insurance Agency in Case of Bankruptcy
Abstract
The data of the Ministry of Cooperative and Micro, Small, and Medium Enterprises (MSMEs) on 31 December 2021 reported that there were 27,100,372 cooperatives, with active cooperatives accounting for 127,846 and inactive ones representing 47,115. Inactive cooperatives leave implications on the members as the creditors in terms of bankruptcy in cashing money of the members of cooperatives. This research aims to study the regulation concerning a deposit insurance agency for sharia-based cooperatives and the concepts of a deposit insurance agency for sharia cooperatives not specifically outlined in law Number 25 of 1992 concerning Cooperatives. The establishment of a deposit insurance agency guaranteeing the existence of sharia cooperatives is inevitable, and the establishment of this insurance organization is deemed urgent, which takes into account the revision of laws concerning cooperatives by assigning a deposit insurance agency to guarantee cooperatives.
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