Tinjauan Hukum Perjanjian Gadai Antara Nasabah Dengan PT.Pegadaian Di Pekanbaru

Dwiyanti, Ratih Asri (2022) Tinjauan Hukum Perjanjian Gadai Antara Nasabah Dengan PT.Pegadaian Di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

In everyday life, everyone tries to fulfill their daily needs, both basic needs and other needs. If a person at a certain time has an urgent interest while he lacks funds, then one way is by borrowing or owing to other people, in order to borrow safely and the party is included in a state-owned enterprise, namely PT Pegadaian and many people who trust and feel safe When making a pledge at PT Pegadaian, in this case to borrow it there must be an agreement of a binding pledge agreement between the two parties from the formulation of article 1313 of the Civil Code it can be seen, an agreement is an act where one or more people bind themselves to a other people or more. There are many pawn products offered by PT Pegadaian (Persero), so the author's focus in this research is the KCA (Fast Secure Credit) product, which is a product offered by PT Pegadaian (Persero) which provides a pawn agreement between the customer and the customer. PT Pegadaian where the payment and installment time every month are in months the amount of time that has been agreed upon in the agreement. The main problem in this research is how to implement the pawn agreement between the customer and PT Pegadaian (Persero), and how is the settlement effort for the occurrence of default of the pawn agreement between the customer and PT Pegadaian (Persero). The research method used for this research, namely Observational Research, is by means of surveys, research that is carried out directly in the field to collect data in the form of questionnaires and interviews that are directly linked to the law and the opinions of experts and the basis of existing agreements. The nature of this research is descriptive, namely research that aims to provide a systematic presentation of facts in the field, so that it is easy to understand and conclude, namely the legal review of the pawn agreement between the customer and PT Pegadaian in Pekanbaru. From the results of this study it can be concluded that in the implementation of the pawn agreement between the customer and PT Pegadaian (Persero) UPC Simpang Tiga, the agreement that binds the customer and creditor has not gone well, which from the agreement there are still many customers who are in default, as regulated in In the agreement, each party has its rights and obligations, both from the creditor and debtor, so that things do not happen that are detrimental to both parties. The debtor's right is to receive a loan from the creditor (Persero) while the obligation is to pay installments and capital leases from the loan to the creditor according to the period specified in the agreement. the form of the settlement effort for the occurrence of default on the pledge agreement between the customer and PT Pegadaian (persero) UPC Simpang Tiga, namely the pawnshop gives a warning to the debtor through telephone calls, SMS, and finally a warning letter will be sent to the debtor if there is no response for 3 times and if there is no response for 3 times and if If there is no good faith, then the goods that are used as collateral will be auctioned and the debtor is considered to be in default and negligent in the agreed agreement.

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