Akibat Hukum Pendapatan Masyarakat Terhadap Wanprestasi Perjanjian Kredit (Studi Di PT. BFI Finance Tbk, Cabang Pelalawan)

Nabilla, Anna (2022) Akibat Hukum Pendapatan Masyarakat Terhadap Wanprestasi Perjanjian Kredit (Studi Di PT. BFI Finance Tbk, Cabang Pelalawan). Other thesis, Universitas Islam Riau.

Text 181010738.pdf Download (2MB)

Abstract

At this time the need for funds to move the wheels of the economy continues to increase. On the one hand, there are people who have high incomes and on the other hand there are people whose incomes are very low, so they have difficulties and obstacles in finding capital to start a business. One of the efforts to meet these capital needs can be obtained from financing services, namely a financial institution whose main task is to market its services in the form of credit. Credit has become the people's choice as a way out to meet the ever-increasing needs. So the community must make an agreement in advance with the financing company. Legal relations will run smoothly if each party is able to fulfill its obligations in accordance with the stipulated time. However, some people do not consider the income, cost of living, and the installments, generally people prefer the cost of living. Thus causing a high rate of default on credit agreements because minimal income is not able to support the amount of credit installments. Default committed by one party has legal consequences for the other party, therefore it is very important to pay attention to when someone is said to be in default. In this thesis entitled "Legal Consequences of Community Income on Default in Credit Agreements (Study at PT. BFI Finance Tbk, Pelalawan Branch)" it discusses how the legal consequences on people's income in default of credit agreements and how the solution to legal consequences between the two parties in default credit agreement. The method used in this research is a type of sociological research or survey research, or data analysis technique, carried out so that researchers can directly observe what they learn and investigate the activities carried out in detail. Based on the results of this study, it can be seen that the people in Pelalawan in 2020 did not consider income and installments, so that a situation arose where the debtor defaulted on the credit agreement at PT. BFI Finance Tbk, Pelalawan Branch. Default committed by one party has legal consequences for the other party, therefore it is very important to pay attention to when someone is said to be in default. In general, it is people who work as traders who at most do not fulfill their achievements, so the company PT. BFI Finance pays a predetermined interest for the late payment of the installments, as stated in Article 1243 of the Civil Code Regarding Default. A legal consequence of a credit agreement default will certainly lead to various kinds of solutions. The solution is in the form of a warning, if it is ignored, PT BFI Finance will confiscate the public's collateral.

Actions (login required)

View Item