Penerapan Perjanjian Jual Beli Mobil Antara PT Buana Finance Terhadap Konsumen Di Kota Pekanbaru

Effendi, Elsa Pira (2021) Penerapan Perjanjian Jual Beli Mobil Antara PT Buana Finance Terhadap Konsumen Di Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

The financing agreement entered into by PT. Buana Finance Tbk Pekanbaru Branch which is engaged in consumer financing for four-wheeled vehicles is carried out on a fiduciary basis, namely the transfer of property rights based on trust. The four-wheeled vehicle which is the object of the guarantee must be submitted by the creditor to the debtor. The main problems in this study are 1) How is the application of the car sale and purchase agreement between PT Buana Finance to the consumer in Pekanbaru City? 2) What are the obstacles in implementing the car sale and purchase agreement between PT Buana Finance and the consumers in Pekanbaru City? This research is classified as survey research. While the nature of this research is descriptive. The object of research is the application of a car sale and purchase agreement between PT Buana Finance and the consumer in Pekanbaru City. The results of this study indicate that 1) The procedure for implementing the agreement for the financing company PT Buana Finance Pekanbaru goes through several stages that must be passed first, namely, among others; a. In the applicant stage, the consumer completes data such as; Copy of ID card of prospective borrower, Copy of ID card of prospective borrower's husband/wife, NPWP (Taxpayer Identification Number), Family Card/Marriage Certificate for married consumers, Salary slip or Salary Certificate (if the prospective borrower works), Electricity Account/Phone Account /Water Account (PDAM), b. Creditors fill out the form provided by the consumer finance company, c. The creditor analyzes the personal data of the applicant/debtor and provides credit results that can be obtained in accordance with the eligibility of the debtor, d. If the creditor has finished filling in the debtor data, the creditor and debtor wait for approval from the kurqang center for more than 3 days. And 2) the factors that hinder the implementation of the consumer agreement at PT Buana Finance Pekanbaru; a. Influenced by consumer economic conditions, b. Consumers do not understand correctly about consumer financing transactions, c. Negligence on the part of the consumer, d. There are consumers who provide fictitious data, e. Excessive lifestyle that is not in accordance with the consumption needs.

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