Putra, Hanif Rahmat Widya (2024) Pelaksanaan Perjanjian Kredit Kreasi Dengan Jaminan Fidusia Pada Pt. Pegadaian (persero) Cabang Pangkalan Kerinci Berdasarkan Undang-undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia. Other thesis, Universitas Islam Riau.

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Abstract

The main problem in providing credit with fiduciary guarantees at PT. Pawnshops are debtors who do not fulfill their obligations to pay installments or experience default. This causes the risk of bad credit, and even though the collateral is still controlled by the debtor, the creditor has the right to execute it if the debtor fails to pay. The formulation of the problem in this thesis research is: first, How to Implement a Creative Credit Agreement with Fiduciary Guarantee at PT. Pegadaian (Persero) Pangkalan Kerinci Branch. Second, what legal measures have been taken by PT. Pegadaian (Persero) Pangkalan Kerinci Branch in the event of default. This type of research is empirical legal research, where this legal research method uses empirical data obtained from human actions or attitudes, both obtained from interviews and actual behavior by making direct observations. The data sources used are primary and secondary data, while data collection is carried out by observation, interviews and documentation. The method of drawing conclusions used in this research is a deductive method, namely drawing conclusions from general things to specific things. The results of the thesis research that the author found are as follows: First, the process of implementing the Creative Credit Agreement with Fiduciary Guarantee at PT. Pegadaian (Persero) Pangkalan Kerinci Branch starts with the customer submitting a credit application and completing the required documents. After that, the customer and Pegadaian sign a creation agreement, which becomes the legal basis for the credit agreement. This agreement regulates the rights and obligations of both parties, as well as ensuring a clear legal relationship between the customer and Pegadaian. Second, the legal action taken by PT Pegadaian (Persero) Pangkalan Kerinci Branch begins with persuasive communication, continues with a summons, and ends with the withdrawal or confiscation of collateral if the debtor does not pay.

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