Mulyani, Sri (2023) PENYELESAIAN HUKUM TERHADAP DEBITUR YANG MELAKUKAN WANPRESTASI PADA PERJANJIAN PEMBIAYAAN KONSUMEN DENGAN JAMINAN FIDUSIA DI HUBUNGKAN DENGAN BUKU III KITAB UNDANG UNDANG HUKUM PERDATA TENTANG PERIKATAN (Studi Kasus PT Federal International Finance Cabang Kota Serang). S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
PT. Federal International Finance is a financing company that carries out business activities in the field of consumer financing. Every year, this company frequently experiences cases of default by debtors because they do not fulfill their achievements in installment payments, causing losses to PT. Federal International Finance Serang City as a financing company. The identification of the problem in this research is about the mechanism for implementing consumer financing agreements at PT. Federal International Finance Serang City Branch based on Book III of the Civil Code on Engagements? and Legal settlement efforts for debtors who default on consumer financing agreements with Fiduciary Guarantees based on Book III of the Civil Law on Engagements? The theories used in this research are agreement theory and legal responsibility theory. The research method used in this research is empirical juridical. Based on the results of this research, namely the implementation of consumer financing agreements for two-wheeled motorized vehicles at PT FIF Serang City Branch through various stages, namely: application checking and field inspection stages, creating customer profiles, submitting proposals to the credit committee, results of credit committee decisions, binding stages, ordering goods , payments to suppliers, payment monitoring, guarantee letters. Efforts to resolve the law as a result of default by the debtor are in two stages, namely litigation and non-litigation, for litigation the creditor submits a lawsuit to the District Court for legal processing through a court decision, while for non-litigation, PT FIF Serang City Branch has a settlement option. Disputes resulting from default are known as "Collection Management" or "Account Receivable (A/R)" Management. The conclusion in this research is that the implementation of the two-wheeled vehicle financing agreement between consumers and PT FIP Serang City has fulfilled the terms of the agreement as stated in Article 1320 of the Civil Code. The suggestion in this research is that private consumer financing institutions should be more selective in providing credit to consumers.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | PT. Federal International Finance merupakan salah satu perusahaan pembiyaan yang melakukan kegiatan usahanya di bidang pembiayaan konsumen. Perusahaan ini setiap tahun nya sering terjadi kasus wanprestasi yang dilakukan oleh debitur karna tidak memenuhi prestasinya dalam pembayaran angsuran sehingga merugikan PT. Federal International Finance Kota Serang sebagai perushaan pembiayan. Identifikasi masalah dalam penelilian ini adalah tentang bagaimana mekanisme pelaksanaan perjanjian pembiayaan konsumen di PT. Federal International Finance Cabang Kota Serang berdasarkan Buku III Kitab Undang Undang Hukum Perdata Tentang Perikatan? dan Upaya penyelesaian hukum terhadap debitur yang melakukan wanprestasi pada perjanjian pembiayaan konsumen dengan Jaminan Fidusia berdasarkan Buku III kitab Undang Undang Hukum Perdata Tentang Perikatan? Teori yang di gunakan dalam penelitian ini adalah teori perjanjian dan teori tanggung jawab hukum. Metode penelitian yang digunakan dalam penelitian ini adalah yuridis empiris. Berdasarkan hasil penelitian ini yaitu pelaksanaan perjanjian pembiayaan konsumen kendaraan bermotor roda dua PT FIF Cabang Kota Serang melalui berbagai tahapan yaitu: permohonan tahap pengecekan dan pemeriksaan lapangan, pembuatan costumer profile, pengajuan proposal kepada komite kredit, hasil keputusan komite kredit, tahapan pengikatan, pemesanan barang, pembayaran kepada supplier, monitoring pembayaran, surat jaminan. Upaya penyelesaian hukum akibat dari wanprestasi yang di lakukan oleh debitur adalah dengan cara dua tahap yaitu litigasi dan non litigasi, untuk litigasi pihak kreditur mengajukan gugatan kepada Pengadilan Negeri untuk diproses secara hukum melalui putusan pengadilan, sedangkan untuk non litigasi PT FIF Cabang Kota Serang pilihan penyelesaian sengketa akibat dari wanprestasi dikenal dengan istilah “Collection Management” atau “Account Receivable(A/R)” Management. Kesimpulan dalam penelitian ini adalah pelaksanaan perbuatan perjanjian pembiayaan kendaraan roda dua antara konsumen dengan PT FIP Kota Serang telah memenuhi syarat-syarat perjanjian sebagaimana dalam Pasal 1320 KUHPerdata. Saran dalam penelitian ini adalah lembaga swasta pembiayaan konsumen hendaknya lebih selektif dalam memberikan kredit kepada konsumen. | |||||||||
| Uncontrolled Keywords: | Agreement, Consumer Financing, Default Perjanjian, Pembiayaan Konsumen, Wanprestasi | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum 01-Fakultas Hukum |
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| Depositing User: | Sri Sri Mulyani | |||||||||
| Date Deposited: | 20 Dec 2023 09:40 | |||||||||
| Last Modified: | 20 Dec 2023 09:40 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/31498 |
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