M.s, Sangap (2025) Analisis Yuridis Perlindungan Hukum Bagi Konsumen Terhadap Proses Penarikan Dengan Jaminan Fidusia (studi Pada Kota Pekanbaru 2023-2024). Masters thesis, Universitas Islam Riau.

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Abstract

This study aims to analyze legal protection for consumers in the process of withdrawing fiduciary guarantees in Pekanbaru City during 2023-2024. The background of this study is based on the rampant legal problems faced by consumers related to the process of withdrawing fiduciary guarantee objects carried out unilaterally by creditors. In many cases, consumers are often in a vulnerable position and do not receive adequate legal protection. This situation raises concerns about legal uncertainty, especially in the Pekanbaru area which has experienced an increase in credit activity with fiduciary guarantees. This phenomenon raises concerns regarding the low level of protection for consumers, especially regarding their rights which are often ignored in the process of withdrawing fiduciary guarantees. In this study, there are main problems that will be discussed, namely, the implementation of legal protection for consumers in the process of withdrawing fiduciary guarantees and the obstacles faced by consumers in obtaining legal protection, and the purpose of this study is the same as the formulation of the main problem, namely to find out the results of the formulation of the problem made by the researcher. This legal research is a type of Sociological Empirical Law research. This type of research method is intended to solve problems that exist at this time by collecting data and compiling or clarifying it, then analyzing and seeing a legal reality in society to then obtain a result. The results of the study show that although regulations related to fiduciary guarantees have been regulated in Law Number 42 of 1999, their implementation in the field is often not in accordance with applicable legal procedures. Many creditors make unilateral withdrawals without going through the courts, resulting in losses for consumers. The obstacles faced by consumers in obtaining legal protection include the lack of legal awareness among consumers and weak law enforcement by the relevant authorities. This study recommends the need for more intensive socialization regarding consumer rights and increasing the capacity of law enforcement agencies to handle cases involving fiduciary guarantees. his study also highlights the importance of synergy between law enforcement agencies, creditors, and consumers in creating fair and transparent legal certainty. This collaborative approach is expected to minimize conflicts arising from fiduciary collateral repossession and ensure that consumers' rights are effectively protected.

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