Abstract
Consumer financing is financing activities for the procurement of goods based on consumer needs with installment payments regulated in Article 1 number 7 of Presidential Regulation No. 9 of 2009 concerning Financing Institutions. To reduce losses if debtors default, the financing of motor vehicle consumers is charged with fiduciary guarantees regulated in Law Number 42 of 1999 concerning Fiduciary guarantees. In practice, the implementation of consumer financing for motor vehicles often results in problems that harm the debtor (consumer) especially when the acquisition of fiduciary collateral items if the debtor (consumer). therefore it is necessary to conduct research on how the legal protection of debtors in consumer financing agreements with the imposition of fiduciary guarantees. The data used are secondary supporting data collected through library studies and primary data as supporting data conducted through field studies using interview techniques. The results of the study found that: legal protection for debtors in consumer financing agreements with the imposition of fiduciary guarantees has been regulated in several relevant laws and regulations, namely the Consumer Protection Act, the Fiduciary Guarantee Act, the Financial Services Authority Act and the implementing regulations. If a consumer is harmed by a finance company, the debtor (consumer) can sue the finance company because of an unlawful act and may even ask for a criminal act.
Highlights
PENDAHULUAN Pembiayaan konsumen adalah merupakan salah satu model pembiayaan yang dilakukan oleh perusahaan pembiayaan
Consumer financing is financing activities for the procurement of goods based on consumer needs with installment payments regulated in Article 1 number 7 of Presidential Regulation No 9 of 2009 concerning Financing Institutions
To reduce losses if debtors default, the financing of motor vehicle consumers is charged with fiduciary guarantees regulated in Law Number 42 of 1999 concerning Fiduciary guarantees
Summary
Pasal 2 Peraturan pihak lain sebagaia mana atau dilayani fidusia oleh Menteri Keuangan dimaksud pada ayat (1) dalam secara benar pihak. Kerjasama dengan pihak lain diskriminatif debitur pendaftaran ini sebagai-mana dimaksud pada mengenai sisa wanprestasi harus dilakukan ayat (1) wajib memenuhi kelebihan hasil jika dilakukan paling lambat 30 ketentuan sebagai berikut : penjualan tanpa hari sejak tanggal Pihak lain tersebut berbentuk barang jaminan. Dari instansi yang berwenang; (perusahaan fidusia dan Pasal 3 Peraturan dan pembiayaan) melibatkan Menteri Keuangan Pihak lain tersebut memiliki harus beritikad pihak debt Nomor sumber daya manusia yang telah baik dalam collector memperoleh sertifikat di bidang menjalankan dengan penagihan dari Lem-baga usahanya dan merampas. Informasi dapat larang melakukan Perusahaan pembiaya an secara benar dikatagorikan penarik an benda bertanggungjawab penuh atas dan perbuatan jaminan fidusia segala dampak yang ditim- memperlakukan melawan berupa kendaraan bulkan dari kerjasama dengan konsumen hukum. Sertifikat jaminan fidusia dan menyerahkannya ke pada perusahaan pembiaya an
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