Tinjauan Penyelesaian Kredit Macet Dalam Kepemilikan Mobil Di PT. MNC Finance Kota Pekanbaru Tahun 2018-2020

Rawung, Calvin Melkias (2021) Tinjauan Penyelesaian Kredit Macet Dalam Kepemilikan Mobil Di PT. MNC Finance Kota Pekanbaru Tahun 2018-2020. Other thesis, Universitas Islam Riau.

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Abstract

The development of the times and the increase in the economy have made the needs of a diverse society increase. This is evidenced by the number of things that must be fulfilled. Given that human needs are not limited to only premier and secondary needs, but also tertiary needs. One of them needs four wheels that can provide more experience when driving it. Besides being able to accommodate more family members, four-wheeled vehicles also offer comfort. Financial institutions have solutions for people who want to have four-wheeled vehicles. Financial institutions promise solutions for people who have economic limitations and want to have four-wheeled vehicles, With the financial convenience of the Bank, of course, public interest in financial institutions cannot be underestimated. In this country, there are two financial institutions. Namely non-bank financial institutions and bank financial institutions. Sellers and consumer finance companies collaborate to provide offers to consumers. The offer is made by providing a vehicle and payment is made in installments. With the Presidential Decree No. 61 of 1998 became a stepping stone for financial companies with leasing activities, by providing financing to the community. The main problem in this research is how to solve the problem of bad car loans at PT. MNC finance for Pekanbaru City, and what are the inhibiting factors that cause credit congestion often. This research is a type of research by means of a survey, in which the authors go directly to the field and conduct interviews. This research is descriptive in nature in which this research can provide a detailed description of banking institutions that provide fiduciary guarantees that have been stipulated by law on banking institutions in Indonesia. Research results from solving the problem of bad car loans at PT. MNC finance in Pekanbaru City is a basic principle (character, capacity, colleteral, conditions of economic) that must always be considered, and it is necessary to do a direct check on existing documents, so that the financing institution should not only pursue the target number of consumers, and ignore matters of security and credit worthiness. The results of the research are the factors that hinder the frequent occurrence of congestion in credit The need for the attention of the Minister of Law and Human Rights, in this case the Fiduciary registration office is required to provide legal counseling to financial institutions, especially in investment security, as well as increasing State revenues from registration fees for Fiduciary Security which of course will provide revenue for the State treasury.

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