Putri, Elsa Fortuna (2025) Aspek Hukum Jaminan Fidusia yang tidak Didaftarkan (Studi Pada PT. BFI Finance Tbk Cabang Air Molek. Other thesis, Universitas Islam Riau.

Text skripsi_181010382_watermark.pdf - Submitted Version Restricted to Registered users only Download (2MB) | Request a copy

Abstract

Fiduciary guarantee is one form of material guarantee that is commonly used in financing agreements, especially in motor vehicle financing. Fiduciary guarantees that are not registered do not have executorial power, so that financing companies lose the right to carry out direct execution without going through a court process. The main problem in this study is what caused PT. BFI Finance Tbk, Air Molek branch not to register material guarantees for financing carried out and what are the legal aspects of material guarantees that are not registered by PT. BFI Finance Tbk, Air Molek branch. The method used in this study is empirical legal research and a literature analysis approach as supporting data. The data sources used in this study are primary data obtained directly from interviews with predetermined sources and secondary data sources obtained from various literature and laws and regulations, and the nature of this study is descriptive analysis. Based on the results of the study, it can be understood that PT. BFI Finance does not register all fiduciary guarantees because it considers several factors, such as the efficiency of registration costs regulated in Government Regulation Number 21 of 2015 concerning Non-Tax State Revenue (PNBP), the duration of registration, and the classification of creditor risk against the type of financing, although fiduciary registration is required to have executorial power (Article 14 paragraph 1), in reality not all guarantees are registered for operational reasons and business feasibility considerations. Meanwhile, the legal aspects of material guarantees that have been registered by PT. BFI Finance Tbk, especially at the Air Molek Branch, can be concluded that registration of fiduciary guarantees provides strong legal protection for creditors. The registration process is carried out in accordance with the provisions of Law Number 42 of 1999 concerning Fiduciary Guarantees.

Actions (login required)

View Item