PERLINDUNGAN HUKUM TERHADAP KONSUMEN YANG MENGGUNAKAN JASA PEMBIAYAAN KREDIT KENDARAAN BERMOTOR RODA DUA DI PT. FEDERAL INTERNATIONAL FINANCE AIR MOLEK

Abstract

PT. Federal International Finance Air Molek has violated Article 7 letter (d) for not
performing an obligation by offering services that are not in accordance with Article 17
paragraph 1 letter (a) of the Financial Services Authority Regulation Number 29 of 2014
concerning the Implementation of Business Financing Companies regarding Advances for
Vehicle Financing motorized two wheels. And in offering financing services, PT. Federal
International Finance Air Molek also does not carry out its obligations or provide consumer
rights based on Act Number 8 of 1999 concerning Consumer Protection. The purpose of writing
this thesis, namely: First, In order to know the legal protection of the rights of consumers who
use two-wheeled vehicle loan financing services related to the provision of down payments of
under 20% at Federal International Finance Air Molek. Second, to be aware of the legal
consequences caused to consumers who use two-wheeled motor vehicle loan financing services
related to the provision of down payments of under 20%.
This type of research is a type of sociological legal research. This research was conducted
at PT. Federal International Finance branch of Air Molek, Pasir Penyu District, Indragiri Hulu
Regency, Riau Province. Sociological law research uses primary data and secondary data, while
the population and sample are the parties related to the problem examined in this study. Data
collection techniques in this research were interviews and literature study.
From the results of the research problem there are two main things that can be concluded.
First, the Financing Company of PT. Federal International Finance does not provide consumer
rights regarding the provision of true, clear and honest information about advances offered for
financing services that are not in accordance with article 17 paragraph 1 of the Financial
Services Authority Regulation Number 29 of 2014. Second, the consequences arising from the
granting of motorized vehicle credit two related to a down payment of under 20% at PT. FIF is
mostly caused by consumers, such as being unable to pay monthly installments, lost objects,
transfer of objects without the knowledge of the finance company which in this case results in
disruption of financing experienced by PT. Federal International Finance, this is due to lack of
information regarding financing agreements, and financing agreements offered by PT. Federal
International Finance is not in accordance or contrary to the legal terms of the agreement, then
the financing agreement is considered null and void, meaning that from the beginning the
agreement was considered to have never existed.
Keywords: Consumer Protection - Financing Services - Advance Financing - Financing
Agreement - PT. Federal International Finance