Akibat hukum jaminan pribadi pengurus dalam perjanjian kredit atas nama koperasi : analisa pengikatan perjanjian kredit Koperasi Serba Usaha KUTA MIMBA selaku debitur dengan Lembaga Pengelolaan Dana Bergulir selaku kreditur = Legal consequence of personal guarantee in credit agreement signed by management on behalf of corporative : credit agreement binding analysis of multy-business coorperative kuta mimba as a debtor with revolving fund management institutional as a creditor