Penyelesaian Kredit Bermasalah Pada Perjanjian Pembiayaan Kendaraan Bermotor Roda Empat di BCA finance Cabang Pekanbaru

Zulkhairi, Zulkhairi (2020) Penyelesaian Kredit Bermasalah Pada Perjanjian Pembiayaan Kendaraan Bermotor Roda Empat di BCA finance Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

The development of the finance industry in Indonesia is undeniable the better it reaches the level of progress. One indicator is growth fertility of consumer finance in Indonesia from year to year years especially in the last few years. Financing growth This consumer can be seen from the increasing number of vehicles, brands vehicles and types / types of four-wheeled motorized vehicles in Indonesia. With all the conveniences provided by the finance company, no wonder growth four-wheeled motor vehicle loans increased significantly. One of the dominant factor in consumer credit in finance is the likelihood of credit problems with four-wheeled vehicles or motorcycles are relatively small if compared to credit sacrificed. But despite the general credit problematic in financial institutions is relatively small compared to the same problem in banking institutions, still a problem like this almost certainly experienced by every consumer financing institution. And way handling bad loans and problem loans also vary. Writing this scientific paper discusses Credit Settlement Troubled in the Four Wheel Motor Vehicle Financing Agreement at consumer finance institutions (leasing) as well as settlement patterns and constraints in solving this problem credit using the approach method empirical that emphasizes the reality that exists by comparing between das sein and das sollen regarding how and what obstacles are in settlement of problem loans in motor vehicle financing agreements four wheels.The research method used was an observation research method (observational research) by means of a survey. And in setting a sample the author's research uses the Census Method which uses population as a whole as respondents. As a data collection tool in this study the authors use direct free interviews guided interview guide guide. The theory used in this research is theory concerning credit, the theory of guarantee law and the theory of the application of fiduciary guarantee execution. The results of the author's research concerning the settlement of problem loans pursued by BCAFinance Pekanbaru Branch outline carried out with internal settlement in advance, can be through deliberation reach consensus by offering various options such as rescheduling (rescheduling), Reconditioning (return requirements) and restructuring (realignment). Especially for naughty consumers who have very bad intentions, then the settlement by finance is submitted through an external third party, i.e. The Debt Collector is named Profkol (Professional Collector), which is a legal entity, registered at the Republic of Indonesia Ministry of Law and Human Rights who specializes himself as collector and has has a Fiduciary Handling Specialist Certificate, also has reconnaissance personnel called Mata Elang are outsourcing (outsourcing employees). Then proceed through public auctions or underhand sales. If on finally the problem entered into the court's area then the settlement conducted by BCAFinance Pusat Jakarta through the Team Legal Office.

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