Perlindungan Hukum Terhadap Nasabah Pegadaian Berdasarkan Perjanjian Utang Piutang Dengan Jaminan Gadai (Studi Di Pegadaian Unit Pelayanan Cabang Marpoyan)

Syaflina, Firda (2019) Perlindungan Hukum Terhadap Nasabah Pegadaian Berdasarkan Perjanjian Utang Piutang Dengan Jaminan Gadai (Studi Di Pegadaian Unit Pelayanan Cabang Marpoyan). Other thesis, Universitas Islam Riau.

Preview

Text 151010092.pdf Download (1MB) | Preview

Abstract

The collateral object for the mortgage provider is actually an object of economic value and is important in his life, so that there will be no loss of the collateralized goods, PT. Pegadaian (Persero) has a big role in supervising and maintaining goods that are in their power, so that the collateral is not damaged or lost, which can harm customers who have pawned their goods. Therefore if something happens that causes the item to be damaged, lost, reduced or not in accordance with the initial conditions at the time of delivery, PT. Pegadaian will provide compensation suffered by customers in accordance with the appropriate value according to PT. Pawnshop. So that the customer indirectly has to accept even though the compensation is not in accordance with the condition of the mortgage guarantee. The main problem of the research is How Forms of Legal Protection Provided by PT Pegadaian to Customers in Debt Receivables with a Mortgage Guarantee and Any Inhibiting Factors in Giving Legal Protection of PT Pegadaian to Customers on Debt Agreement with Pawn Guarantee. The research method is observational research or Empirical Law, by survey. while the nature is descriptive, namely the research in question provides a detailed description of Legal Protection Against Pawnshop Customers Based on Debt Agreement with Pawn Guarantee The results of the study show that the Form of Legal Protection Provided by PT Pegadaian to Customers in Debt With Pawn Guarantee is preventive, namely when the certificate of credit (SBK) has been signed and the customer has received loan money so that the pawnshop already has obligations for security and maintenance of goods guarantee, in order to avoid or prevent things that are not desirable because the collateral is fully the responsibility of the pawnshop and repressively, in the event of a dispute between the customer over the guaranteed collateral, the dispute is first settled through an internal settlement mechanism if it cannot resolved, it requires the help of a third party to resolve the dispute, and the inhibiting factor for legal protection provided by PT Pegadaian to customers on debt owed by collateral is a lack of awareness of the customer to pay off the bar pawned on pawnshops, PT Pegadaian as a creditor has the authority to take direct action on objects which are a guarantee when customers default and lack of customer knowledge about the auction of collateral object goods which results in customers rarely asking the pawnshop to follow up on auction results.

Actions (login required)

View Item