Pelaksanaan Perjanjian Pembiayaan Konsumen Kendaraan Bermotor Roda Dua Pada PT. Federal Internasional Finance Cabang Pekanbaru

Lanniati, Pocut (2022) Pelaksanaan Perjanjian Pembiayaan Konsumen Kendaraan Bermotor Roda Dua Pada PT. Federal Internasional Finance Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Abstract Consumer financing at PT Federal International Finance is one of the methods used to meet needs. However, there are problems in the financing agreement such as Default. During economic problems caused by the COVID- 19 pandemic, the government issued Financial Services Authority Regulations (POJK) No. 14/POJK.05/2020. This study aims to obtain information regarding the implementation of POJK No. 14 / POJK.05 /2020, to determine the obstacles, legal consequences, andlegal remedies in consumer financing. The process of collecting the data is done using interviews. The result of this study is that financing restructuring is given to people who are directly affected by COVID-19 with several criteria. Constraints on consumer financing, namely Default. Efforts have been taken, starting from giving a warning to the process of withdrawing a motor vehicle to going to court. As a result, consumers who default must pay losses. Although the government has issued POJK No. 14/POJK.05/2020 which aims to help finance companies and the public, but the economic conditions that are not improving still force people to Default. The solution provided by PT Federal International Finance to people who defaulted by maintaining credit with several adjustments. The motor vehicle financing restructuring program was provided by PT Federal International Finance to consumers who experienced the direct impact of Covid-19. Consumers must apply for this restructuring program by submitting several conditions. Then PT. Federal International Finance will evaluate consumers before providing restructuring. While the obstacles experienced by PT. Fedral International Finance in the implementation of the agreement is a Default. This default can also occur due to internal factors, namely factors originating from the PT Federal International Finance team itself and external factors, namely factors originating from customers. If the customer defaults, he will get a sanction from PT Federal International Finance

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