CD Skripsi

Penyelesaian Kredit Macet Dalam Perjanjian Kredit Di Pt. Jaccs Mitra Pinasthika Mustika Finance Rokan Hulu Berdasarkan Asas Itikad Baik

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ABSTRACT
Bad credit is a condition in which a debtor (customer / borrower) is unable or unwilling to pay installments or debt repayments in accordance with the agreement that has been agreed upon with the creditor (lender), be it a bank or financing institution. This is explicitly regulated in the Financial Services Authority Regulation Number 35/POJK.05/2018 concerning the Implementation of Financing Company Business, which was last amended by the Financial Services Authority Regulation Number 7/POJK.05/2022 concerning the Implementation of Financing Company Business.This study aims to analyze the causes of bad credit and the form of settlement carried out by PT JACCS Mitra Pinasthika Mustika Finance (MPM Finance) Rokan Hulu Branch in a credit agreement, with an emphasis on the application of the principle of good faith. Bad credit is one of the serious problems in financing institutions that can harm the company and disrupt operational stability.
This research uses an empirical juridical approach with data collection techniques through interviews and literature studies. With the research location at PT. JACCS Mitra Pinasthika Mustika Finance Rokan Hulu, while the population and sample are all parties related to the problem under study. This research uses primary data summber and secondary data and data collection techniques are carried out by interview.
The results showed that bad debts at PT JACCS MPM Finance Rokan Hulu were generally caused by customer negligence in fulfilling payment obligations, weak supervision of the use of credit objects, and lack of legal awareness on the part of the debtor. The company's settlement efforts include a persuasive approach such as giving a warning letter in writing. Customer home visits, restructuring, settlement discounts, collateral execution, auctions to police reporting in the event of unlawful acts such as embezzlement of credit objects. In this context, the principle of good faith plays an important role in building communication and cooperation between creditors and debtors in order to achieve a fair solution and avoid prolonged conflict.
Keywords: Completion, Bad Credit, Finance Company, Good Faith

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Ketersediaan

Informasi Detail

Judul Seri

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No. Panggil

2109112515

Penerbit

Pekanbaru : Universitas Riau – F.HUKUM – HUKUM PERDATA BISNIS., 2025

Deskripsi Fisik

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Bahasa

Indonesia

ISBN/ISSN

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Klasifikasi

2109112515

Tipe Isi

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Tipe Media

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Tipe Pembawa

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Edisi

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Subjek

HUKUM PERDATA BISNIS

Info Detail Spesifik

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Pernyataan Tanggungjawab

daus

Versi lain/terkait

Lampiran Berkas

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