Tinjauan hukum atas peraturan pembiayaan konsumen untuk penyediaan "on board motor" bagi sektor perikanan di Indonesia

Handoko, Ady (2018) Tinjauan hukum atas peraturan pembiayaan konsumen untuk penyediaan "on board motor" bagi sektor perikanan di Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Consumer financing as a form of financing business comes from various legal provisions, both agreements and legislation. Agreements are the main legal source of consumer financing in terms of civil, while legislation is the main legal source of consumer financing in terms of public. Providing financing to consumers must be preceded by an agreement called a consumer financing agreement. Consumer financing agreements have an important function because in the practice of implementing consumer financing agreements, there is an opportunity for risk, the greatest risk is not fulfilling the obligations (default) by the Debtor. In Article 15 paragraph 3 of Law No. 42 concerning the regulated fiduciary guarantee regarding If the debtor fails to promise, the Fiduciary Recipient has the right to sell the object that is the object of Fiduciary Guarantee on his own power. To apply firmness in the period of time in the installment payment payment system in a "flexible / pay-time harvest" system in the consumer financing fisheries sector in Indonesia. then the Debtor and the Creditor must determine the time period within the agreed period, because it is very important for financial services companies to be able to assess the quality of the financing receivables, in accordance with article 27 POJK 29 of 2014 business finance companies financing. / Pembiayaan konsumen sebagai bentuk bisnis pembiayaan bersumber dari berbagai ketentuan hukum, baik perjanjian maupun perundang-undangan. Perjanjian adalah sumber hukum utama pembiayaan konsumen dari segi perdata, sedangkan perundang-undangan adalah sumber hukum utama pembiayaan konsumen dari segi publik. Pemberian pembiayaan kepada konsumen harus didahului dengan adanya suatu perjanjian yang disebut dengan perjanjian pembiayaan konsumen. Perjanjian pembiayaan konsumen mempunyai fungsi penting karena dalam praktik pelaksanaan perjanjian pembiayaan konsumen mempunyai peluang terjadinya risiko, risiko yang terbesar adalah tidak terpenuhinya kewajiban (wanprestasi) oleh Debitur. Pada Pasal 15 ayat 3 Undangundang No 42 tentang jaminan fidusia megatur mengenai Apabila debitor cidera janji, Penerima Fidusia mempunyai hak untuk menjual Benda yang menjadi objek Jaminan Fidusia atas kekuasaannya sendiri. Untuk menerapakan ketegasan dalam jangka waktu pada sistem pembayaran pembayaran angsuran secara “fleksibel/ system bayar waktu panen” pada sektor perikanan pembiayaan konsumen di Indonesia. maka Debitur dan Kreditur harus menentukan jangka waktunya dalam kurun waktu yang diperjanjian, karena sangat penting bagi perusahaan jasa keuangan agar dapat menilai kualitas piutang pembiayaannya, sesuai pada pasal 27 POJK 29 tahun 2014 penyelanggaran usaha perusahaan pembiayaan.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Handoko, AdyUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Consumer financing ; Agreement ; financing grace period
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 15 not found.
Date Deposited: 22 Aug 2019 03:07
Last Modified: 22 Aug 2019 03:07
URI: http://repository.uph.edu/id/eprint/4531

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