Analisis Terhadap Restrukturisasi Kredit Pada Perjanjian Pembiayaan Kendaraan Roda Empat Pada Lembaga Pembiayaan PT. BCA Finance Cabang Pekanbaru

Ricardo, Amon (2023) Analisis Terhadap Restrukturisasi Kredit Pada Perjanjian Pembiayaan Kendaraan Roda Empat Pada Lembaga Pembiayaan PT. BCA Finance Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Financing restructuring is actually a common thing in legal lending relationships. This financing restructuring creates a legal relationship arising from the agreement alone. With financing restructuring, it is hoped that there will be an agreement between the creditor, in this case the financing company and the debtor, to make changes to the financing agreement. These changes are generally made in relation to extending the term, reducing interest rates, reducing principal and interest arrears or adding credit or financing facilities. Based on the background above, the problem that will be answered in this thesis research is How is the Implementation of Credit Restructuring in the Four-Wheeled Vehicle Financing Agreement at the PT. BCA Finance Pekanbaru Branch? and What are the Constraints in the Implementation of Credit Resturization in the Four-Wheeled Vehicle Financing Agreement at the PT Financing Institution. BCA Finance Pekanbaru Branch? This type of research is observational research conducted by means of a survey, namely research directly to the research location using a data collection tool in the form of interviews. Meanwhile, if seen from its nature, this writing is descriptive-analytical, which means that the research is intended to provide a detailed, clear and systematic description of the main research problems. Implementation of Credit Restructuring in the Four-Wheeled Vehicle Financing Agreement at the Financing Institution of PT. BCA Finance Pekanbaru Branch, that this is done for consumers who are experiencing a direct impact from Covid-19. Consumers must submit themselves to get this restructuring program by submitting several conditions. Then PT. BCA Finance Pekanbaru Branch will evaluate consumers before providing restructuring. Obstacles in the Implementation of Credit Resturization in the Four-Wheeled Vehicle Financing Agreement at the PT Financing Institution. BCA Finance Pekanbaru Branch is a Default. This default can also occur because of internal factors, namely factors that come from the PT team. BCA Finance Pekanbaru Branch itself and External Factors, namely factors that come from customers. If the customer defaults, he will receive sanctions from PT. BCA Finance Pekanbaru Branch.

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