PELAKSANAAN PERJANJIAN PEMBIAYAAN MULTIGUNA PADA PT. MITRA PINASTHIKA MUSTIKA FINANCE (MPM) PEKANBARU

Abstract

The high public need for consumptive goods and the need for funds
(multipurpose) is characterized by limited ability or purchasing power in
cash/cash, making consumer finance institutions the preferred choice of the
community, thus making consumer finance institutions (consumer finance) have
shown an active role in supporting the economy and business in Indonesia. PT.
Mitra Pinastika Musthika Finance Pekanbaru Branch, is a finance company that
carries out its business activities in the field of consumer finance, which focuses on
financing new motorcycles and used motorcycles, also provides loan funds with
motorcycle guarantees from debtors known as multipurpose financing, the
payment of which is done in installments or periodically by consumers.
The purpose of this study was to determine and understand the
implementation of consumer financing agreements at PT. Mitra Pinastika
Musthika Finance Pekanbaru Branch, as well as solving problems that arise if
there is a default by the debtor in the implementation of the consumer financing
agreement.
In this study, empirical/sociological juridical methods were used. survey
because the author went directly to the research location to get primary data,
which was then analyzed descriptively, which prioritizes observations
(observations) on the actual symptoms of events.
The results of the study provide an overview of the consumer financing
agreement, especially multipurpose, which is a debt agreement between PT. Mitra
Pinastika Musthika Finance Pekanbaru Branch, and the consumer, the delivery of
their belongings in this case the motorcycle BPKB and other documents as
collateral, the delivery of collateral is carried out based on trust. Consumer
financing agreements are made in written form using standard agreements.
Delayed installment payments are the debtor's obligation not because of the
debtor's intention to delay installment payments, but the debtor dies during the
contract period, leaving 3 (three) installment obligations. To terminate a
problematic contract is taken by way of deliberation to reach consensus.
It can be concluded that consumer finance institutions are an alternative to
obtain loan funds and other necessities, with the death of the debtor during the
contract period is categorized as an act of default.
Keywords: Multipurpose Consumer Financing, Default