Pelaksanaan Perjanjian Pembiayaan Konsumen Kendaraan Bermotor Roda Empat Pada PT. Astra Credit Companies Di Kota Pekanbaru

Yuningsih, Sri Nielhan (2019) Pelaksanaan Perjanjian Pembiayaan Konsumen Kendaraan Bermotor Roda Empat Pada PT. Astra Credit Companies Di Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Consumer finance is one of financial institutions that has a crucial role to fulfil the civilians’ needs. For instance, a purchase of a car. Consumer finance is procurement of goods according to the consumer’s need with an instalment payment. In practice, the consumer finance agreement encounters many issues and problems, such as the consumers did a default towards the covenant. Thus, the consumer financial company will have to ask for a special warranty in order to save the purchase given if a consumer do a default. The issues in this research are to see how the covenant of consumer finance of cars and how the default solving within it in PT. Astra Credit Companies in Pekanbaru. The research design used is observational research that is survey. This research uses a descriptive research that provides data specifically about humans, conditions, and other phenomenon with the aim to highlight the hypothesis. The instrument used to collect the data is by giving interview and questionnaires. The method used to sum up a conclusion is inductive that relates the specific things to the general things. From this research, it can be concluded that the covenant of consumer financial is in a written form and made by the first party, that is PT. Astra Credit Company in Pekanbaru. It is written in a notarial deed with the fiduciary warranty as the evidence of the ownership of the car held by the company as a warranty for the consumer’s repayment. In practice, there are still many consumers who are negligent to fulfil the obligations. If consumers do defaults, they need to pay 0,3% as the fine for each of the late payment. The facilitator party would give a warning letter for three times. If the warning letter is ignored, the company will try to negotiate the extra time of the payment of the instalment. If it keeps unsuccessfully fulfilled, the company will give a power of attorney authorization letter to take the cars back.

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