PELAKSANAAN PERJANJIAN PEMBIAYAAN DENGAN JAMINAN FISDUSIA ANTAR PT. ARJUNA FINANCE DENGAN DEBITUR DI KABUPATEN KAMPAR

Abstract

The public’s need for financing is now increasingly high, along with the
development of technology, the necessities of life are also increasing following the
flow of security developments, so that there are also many financing institutions,
both bank and non- bank financing institutions , where the financing institution is
the goal of society to meet their needs, especially financing. Both financing
institutions in the form of provision of funds and capital goods, one of which is
PT. Arjuna Finance.
The objectivesof this thesis are:first, to find out the rights and obligations
of the parties in the financing agreement with a fiduciaryguarantee between PT.
Arjuna Finance and debtors in Kampar Regency; Second to find out the legal
consequences that arise in the event of default in the financing agreement with a
fiduciary guarantee between PT. Arjuna Finance with debtors in Kampar
Regency.where the debtor of PT.Arjuna Finance still has many violations of the
law namely defaults without meeting an achievement that has been agreed upon
or mutually agreed upon with the creditor.
The type of legal research used by the author is a type of sociological legal
research and can also be said to be field research,which is to study the applicable
legal provisions and what happens in the reality of society with the intention of
knowing and finding the required facts and data. While the nature of this research
is descriptive qualitative by providing a general explanation of the
implementation of the financing agreement with a fiduciary guarantee between
PT. Arjuna Finance with debtosr in Kampar Regency.
The results of this study are that in the implementation of the financing
agreement with fiduciary guarantee between PT. Arjuna Finance and the debtors
in kampar regency, it does not fully run according to the agreement agreed
between the debtors and the creditor. This is due to the existence of customers
who do not exercise their rights and obligations as good debitor so that there are
still many debitor who default in the financing agreement with the fiduciary
guarantee of PT. Arjuna Finance.
Keywords: Agreement, Debtors, Creditors, Implementation, Fiduciary