Tinjauan Yuridis Perjanjian Pembiayaan Konsumen Pada Perusahaan Pembiayaan CV. Manggeng Raya

Abstract

This research paper aims to answer the question: first how the application procedure consumer finance at CV. Manggeng Raya Branch Medan, both How to provisions concerning the provision of guarantees by the Borrower in financing agreements consumers CV. Manggeng Raya Branch Medan and how obstacles and barriers the provision of guarantees by the debtor when the debtor in default. The method used is normative to obtain data related to research obtained from various sources. In the data collection authors conducted research library (Library Research) and field (Field Research). The study was conducted in Indonesia CV. Manggeng Raya Branch Medan. Basic data in this research is secondary data including primary legal materials, namely the Book of Civil Law Act (Civil Code), Decree of the President of the Republic of Indonesia Number 61 of 1988, concerning Financing Institutions, Law Number 42 Year 1999 on Fiduciary, secondary law is materials that explain the primary legal materials such as books, tertiary legal materials are materials that provide guidance and clarification on the primary and secondary legal materials. In the process there is a financing request procedure decided by the CV. Manggeng Raya Branch Medan, procedures of its consumer financing agreement CV. Manggeng Raya Branch Medan, to go through the stages. In the financing agreement, Astra Credit Companies Indonesia (ACC) Branch Medan require prospective Borrower to provide ownership rights fiduciary as a guarantee in the agreement, namely Proof of Vehicle Ownership (reg) to the company, will become the property of the debtor if the installment of the financing has been repaid by debtor. In each agreement is sometimes a negligent debtor to meet its obligations, as well as in the financing agreement in Indonesia CV. Manggeng Raya Branch Medan. In the event of default, the efforts made by the company is to provide a letter of warning, if the warning letter was not addressed, in three stages, the creditor is entitled to withdraw vehicles which is the object of the financing agreement with the approval of the execution with a court order