PELAKSANAAN EKSEKUSI JAMINAN FIDUSIA DALAM PERJANJIAN PEMBIAYAAN KONSUMEN DI TINJAU DARI UNDANG UNDANG NOMER 42 TAHUN 1999 TENTANG JAMINAN FIDUSIA
Kata Kunci:
Agreement, Creditors, Defaults, Fiduciary Guarantee, Execution, Consumer FinancingAbstrak
Credit facilities are generally provided by financial institutions. Financial institutions in the world of finance act as institutions that provide financial services to their customers. In general, this institution is regulated by financial regulations from the government, while the Financing Institution itself is a form of business in the field of non-bank financial institutions which is carried out in the form of providing funds or capital goods by not withdrawing funds directly from the public in the form of demand deposits, deposits, savings and promissory notes. The problems discussed in this thesis are: (1) How is the Execution of the Fiduciary Guarantee Consumer Financing Agreement in UURI No. 42 of 1999 concerning Fiduciary Guarantees? (2) What are the implications of UURI No.42/1999 on Fiduciary Guarantees to provide legal protection for financing companies as creditors? and the theory of protection is a right given to legal subjects in accordance with the rule of law in order to enforce the law. The method in this study is a normative juridical approach, namely in essence the author emphasizes the deductive method as the main guide, and uses secondary data and library materials as a source of research data. The results show that the financing agreement also includes a fiduciary guarantee on the object. its financing is to guarantee the repayment of debtors' debts. and Fiduciary Guarantees have provided legal protection for the Bank as creditor due to the existence of a registration office. The author also suggests that the financing company as the creditor should add more understanding about the imposition of fiduciary guarantees on the object of financing and that it is necessary to immediately implement amendments to Law No. 42 of 1999 concerning Fiduciary Guarantees to better accommodate the interests of business actors, especially in the world of banking credit in Indonesia
