CD Skripsi
Pelaksanaan Oper Kredit Kendaraan Bermotor Roda Empat Tanpa Diketahui Pihak Perusahan Pembiayaan Konsumen Pt Buana Finance Tbk Berdasarkan Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia
The credit operation under the hands is a transfer of liabilities from the old debtor to the new debtor against the fiduciary guarantee object, the transfer of this credit without the consent of the creditor, the credit operation under this hand will cause further legal problems because of this without the consent of the creditor.
The formulation of the problem is how the implementation of Law No. 42 of 1999 on Fiduciary Guarantee of motor vehicle operations without known to the financing institution, how the legal effort to credit operations without being noticed by the financing institution.
Based on this understanding, the writing of this essay formulates three formulation of the problem, namely: First How the implementation of four-wheeled motor vehicle operates without known to the consumer financing company PT. Buana Finance Tbk Based on Law Number 42 Year 1999 About Fiduciary Guarantee? Second What is the obstacle to the implementation of the four-wheeled motor vehicle opera- tion unnoticed by the consumer financing company PT. Buana Finance Tbk Based on Law Number 42 Year 1999 About Fiduciary Guarantee? Third what efforts are made to overcome obstacles to the implementation of four-wheel motor vehicle operations without known to the consumer financing company PT. Buana Fnance Tbk Based on Law Number 42 Year 1999 About Fiduciary Guarantee? This type of research is sociological law research. Research Sites at PT. Buana Finance Tbk. Pekanbaru Branch, Population and Sample Branch Manager, Spv Colection, Legal and Debtor Division are problematic. Primary, secondary and tertiary data sources. Methods of data collection is through interview techniques, literature review and Data Analysis.
The results of this study that the credit oper is already common in all finance companies not only in PT. Buana Finance, Tbk the occurrence of this credit operations because the debtor is not able to continue installment payment, so that from the vehicle seized by the PT. Buana Finance Tbk, it is better to operate it to other party, but the problem of vehicle credit operation is done unnoticed by the company so that the debtor has violated Article 23 Paragraph (2) Fiduciary Law, which becomes the obstacle of this problem is the debtor many do not know the legal consequences caused when performing credit operations without knowing the financing institutions other than that less socialization of the company to the problem of credit oper, the vehicle in oper credit to others do not know its existence, and efforts made to overcome the existing barriers , where the creditor by giving an explanation to the debtor at the signing of the credit agreement, by explaining the credit operations, asks the old debtor to be responsible for the transferred vehicle that does not know its existence by paying off the outstanding debt.
Keywords: Credit Operations - Four Wheel Vehicles - Fiduciary Guarantee
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