Penyaluran Pinjaman Dengan Cara Gadai Pada PT. Pegadaian (Persero) UPC. Plaza Sukaramai

Fajriani, Rissa (2019) Penyaluran Pinjaman Dengan Cara Gadai Pada PT. Pegadaian (Persero) UPC. Plaza Sukaramai. Other thesis, Universitas Islam Riau.

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Abstract

To make ends meet, people often do a legal act, namely implementing an agreement, such as the implementation of lending with a mortgage system. From the formulation of article 1150 of the Civil Code, it can be seen, mortgage is a material guarantee of rights to certain movable property of the debtor or an individual on behalf of the debtor to be used as collateral for certain debt repayments. In Indonesia, the institution appointed to receive and channel loans based on the Pawn System is PT. Pegadaian (Persero). Many Pawn products offered by PT. Pegadaian (Persero), the author's focus on this research is the mortgage loan installment product (KRASIDA), which is the product offered by PT. Pegadaian (Persero) which distributes loans based on Pawn laws which pay the loan in installments every month within the agreed period of the agreement. The main problem in this study is how the Implementation of Loan Distribution by Pawn at PT. Pegadaian (Persero), and What is the process of settlement of defaults on the implementation of Loan Distribution by means of Pawn At PT. Pegadaian (Persero) The research method used is Observational Research, namely by means of a survey, namely research directly in the field to collect data in the form of questionnaires and interviews that are directly related to the law and the opinions of experts and the basis of existing agreements. The nature of this research is descriptive research that aims to provide or present facts in the field, namely the implementation of loan disbursement by way of mortgage at PT. Pegadaian (Persero) UPC Plaza Sukaramai. From the results of this study, it can be concluded first, in the implementation of loan disbursement by means of Pawn at PT. Pegadaian (Persero) UPC Plaza Sukaramai is closely related to the regulation of the rights and obligations of each party. As stipulated in the agreement that each party has its rights and obligations. The debtor's right is to receive a loan from the creditor (Persero) while the obligation is to pay installments from the loan to the creditor in accordance with the term of the credit agreement. Second, the form of settlement of defaults carried out by debtors in the implementation of loan disbursement by way of pawn at PT. Pegadaian (Persero) is the PT. Pegadaian (Persero) provides a warning letter up to three times, if it is not responded to, PT. Pegadaian (Persero) will carry out the execution of goods which the debtor collects in the credit agreement and defaults carried out by the creditor for the negligence he does on the collateral goods is to compensate the debtor for goods in accordance with the provisions applied by PT. Pegadaian (Persero).

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