Dela, Dela (2024) Analisis Yuridis Perjanjian Kredit Macet Dengan Jaminan Fidusia Pada Pt. Mizuho Leasing Indonesia Tbk Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Credit is the provision of the use of money or goods to another person for a certain period of time with collateral or without collateral, with the provision of services or interest or without interest. A credit agreement is an initial agreement made before the delivery of financing, where this agreement is the result of an agreement between the giver and recipient of collateral regarding the legal relationship between the two parties. Fiduciary collateral is a security right granted over movable objects, both tangible and intangible, to guarantee the repayment of debts between debtors and creditors. In this research, PT. Mizuho Leasing Indonesia Tbk Pekanbaru City is a financing institution that provides credit agreements with fiduciary guarantees. The main problem raised in this research is to understand how to implement credit agreements with fiduciary guarantees at PT. Mizuho Leasing Pekanbaru City and to find out what are the inhibiting factors in the Implementation of Credit Agreements with Fiduciary Guarantees at PT. Mizuho Leasing Pekanbaru City. The method used in this research is a qualitative research method, namely direct interviews, observation and documents related to the research. From this research method, respondents obtained included PT Staff/Employees. Mizuho Leasing Pekanbaru City, and Depcolector as the customer's representative. The research results show that the implementation of credit agreements with fiduciary guarantees at PT. Mizuho Leasing Indonesia Tbk Pekanbaru City is not running well, as there are still many customers who do not fulfill their obligations in paying credit installments. The main obstacle to credit agreements with fiduciary guarantees at PT. Mizuho Leasing Indonesia Tbk Pekanbaru City is caused by customers in general experiencing problems such as: Influenced by the debtor's economic conditions, where the debtor's purchasing power is getting weaker due to the high prices of basic commodities, negligence on the part of the debtor such as forgetting to pay installments that are due or even missed, the type of business owned by the debtor is not running smoothly, the loan application is in the debtor's name (as the first party), but uses another person (as the second party), the vehicle purchased by the debtor is lost. Therefore, preparing oneself both mentally and materially as a customer/debtor is an obstacle to implementing credit agreements with fiduciary guarantees at PT. Mizuho Leasing Indonesia Tbk Pekanbaru City above can be avoided and undesirable things will not happen in the future.

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