scholarly journals TINJAUAN YURIDIS TERHADAP DEBT COLLECTOR DAN LEASING PASCA PUTUSAN MAHKAMAH KONSTITUSI Nomor 18/PUU-XVII/2019

2020 ◽  
Vol 3 (1) ◽  
pp. 59
Author(s):  
Vera Rimbawani Sushanty
Keyword(s):  
Consumer Finance

Pada saat ini banyak lembaga pembiayaan dan bank menyelenggarakan pembiayaan bagi konsumen (consumer finance), sewa guna usaha (leasing), anjak piutang (factoring). Mereka umumnya menggunakan tata cara perjanjian yang mengikutkan adanya jaminan fidusia bagi objek benda jaminan fidusia. Pada pelaksanaannya seringkali terjadi kelalaian debitur dalam melaksanakan kewajibannya. Mengatasi masalah tersebut, cara yang paling sering digunakan oleh kreditur adalah memakai jasa debt collector. Keberadaan debt collector untuk melakukan penagihan kredit sering membuat resah debitur. Keberadaan debt collector yang telah lama sangat meresahkan masyarakat direspon oleh Mahkamah Konstitusi dengan mengeluarkan Putusan Nomor 18/PUU-XVII/2019 tanggal 6 Januari 2020. Dalam putusan tersebut mekanisme eksekusi obyek jaminan fidusia diubah oleh Mahkamah Konstitusi sepanjang tidak diberikan secara sukarela oleh debitur. Sebelumnya, UU Fidusia membolehkan kreditur mengeksekusi sendiri objek jaminan fidusia, namun sekarang untuk melaksanakan eksekusi, kreditur harus mengajukan permohonan kepada Pengadilan Negeri. Namun pelaksanaan eksekusi langsung oleh kreditur tanpa melalui PN bisa dilakukan jika debitur mengakui adanya wanprestasi atau cedera janji dalam perjanjiannya dengan kreditur.

Watchdog

2020 ◽  
Author(s):  
Richard Cordray
Keyword(s):  
Democratic Society ◽  
Mortgage Market ◽  
Consumer Finance ◽  
Financial Protection ◽  
American System ◽  
The People

Growing problems in the increasingly one-sided consumer finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Using stories of individual consumers, Watchdog shows how the bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, safeguarding the mortgage market and the economy, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how the American system can be reformed by putting government back on the side of the people, to strengthen families, safeguard the marketplace, and establish a new baseline of fairness in democratic society.

ANALISIS PENYELESAIAN KREDIT MACET AKIBAT DEBITUR WANPRESTASI DALAM PERJANJIAN PEMBIAYAAN KONSUMEN DI KANTOR PT ARTHABUANA MARGAUSAHA FINANCE CABANG SURAKARTA

2017 ◽  
Vol 5 (1) ◽  
pp. 113
Author(s):  
Muhammad Rio Ervandra Putra ◽  
Ambar Budhisulistyawati
Keyword(s):  
Secondary Data ◽  
Structured Interview ◽  
Internal Resistance ◽  
Qualitative Approach ◽  
Consumer Finance ◽  
Bad Faith ◽  
Time Period ◽  
Finance Company ◽  
Secondary Data Sources ◽  
Internal Barriers

<h1><em>Abstract</em><em></em></h1><p><em>In this articel is to discuss the bad debts in the consumer finance companies and efforts to resolve what is used and the obstacles experienced. This articel is included into law research or empirical sociological descriptive, with a qualitative approach. The data collected by the author using a structured interview techniques, literature on primary and secondary data, and content analysis of secondary data sources. The cause of the debtor in default, which is a factor in bad faith since going to do the financing agreement, can not resolve the principal and interest installments corresponding time period specified in the agreement, as well as the funds are planned to pay principal and interest debt used for other purposes. Loan resolution most ideal according to PT Arthabuana Margausaha Finance branch Surakarta can through two efforts, the efforts of non-litigation and litigation. Barriers experienced while performing loan resolution efforts due to the debtor defaults include the presence of internal resistance and external barriers.For external barriers party finance company requesting internal and external parties to resolve these obstacles. For internal barriers the companies subject to reprimand and sanctions applicable consumer finance company.</em></p><p><strong><em>Keywords</em></strong><em> : consumer finance companies , non performing loan , tort</em></p><p align="center"><strong>Abstrak</strong></p><p>Dalam artikel ini membahas kredit macet di perusahaan pembiayaan konsumen dan upaya penyelesaian yang digunakan serta hambatan yang dialami. Artikel ini termasuk kedalam jenis penelitian hukum sosiologis atau empiris yang bersifat deskriptif, dengan pendekatan kualitatif. Data tersebut dikumpulkan penulis dengan menggunakan teknik wawancara terstruktur, studi literatur pada data primer dan sekunder, dan analisis isi untuk sumber data sekunder.Penyebab debitur melakukan wanprestasi, yaitu faktor itikad tidak baik sejak akan melakukan perjanjian pembiayaan, tidak dapat menyelesaikan angsuran pokok hutang dan bunga sesuai jangka waktu yang telah ditetapkan dalam perjanjian, serta dana yang direncanakan untuk membayar angsuran pokok hutang dan bunga digunakan untuk keperluan lainnya. Penyelesaiankredit macet paling ideal menurut PT Arthabuana Margausaha Finance cabang Surakarta dapat melalui dua upaya, yaitu upaya non litigasi dan litigasi. Hambatan yang dialami saat melakukan upaya penyelesaian kredit macet akibat debitur wanprestasi meliputi adanya hambatan internal dan eksternal. Untuk hambatan eksternal pihak perusahaan pembiayaan meminta pihak internal dan eksternal untuk menyelesaikan hambatan tersebut. Untuk hambatan internal pihak bagian perusahaan dikenakan teguran dan sanksi yang berlaku dari perusahaan pembiayaan konsumen.</p><p><strong>Kata kunci</strong> : perusahaan pembiayaan konsumen, kredit macet, wanprestasi</p>

Development of Insurance and Consumer Finance

2017 ◽  
pp. 135-157
Author(s):  
Guo Jinlong ◽  
Hu Hongbing ◽  
Yang Tao ◽  
Zhao Lan
Keyword(s):  
Consumer Finance

scholarly journals EVALUASI PENERAPAN PSAK 30 TENTANG SEWA PEMBIAYAAN KONSUMEN PADA ASTRA CREDIT COMPANIES (ACC) DI MANADO

2017 ◽  
Vol 12 (2) ◽  
Author(s):  
Fajriah Gani ◽  
Ventje Ilat ◽  
Victorina Z. Tirayoh
Keyword(s):  
Consumer Finance ◽  
Accounting System ◽  
Capital Goods ◽  
Finance Company ◽  
Descriptive Method

            The emergence of leasing agency is  an attractive for enterpreneurs Because today they tend to use cash rupiah fund for operational, activites of the company. Through leasing they could obtain funds to finance the purchase of capital goods with a repayment period of between three to five years or more. The object of this research is  Astra Credit Companise which is the largest auto finance company in Indonesia. The purpose of this research is to analyze the accounting treatment of leasing and reporting on Astra Credit Companaise in Manado. The method used is descriptive method, to identify the data that is used in connection with the assets that will be in the leasing of vehicles, identify the system of recording and reporting of leasing transactions, evaluating the advantages / disadvantages  in accounting for leasing transactions and reporting of leasing transactions, as well as draw conclusions. The results of the research can be in the know that leasing has several types and classifications as well as the criteria for determining the accounting system. The accounting treatment and reporting of leasing transactions on Astra Credit Companaise using leasse capital system where the lease can be transferred ownership at the end of the lease term. Based Recording aspect, reporting and disclosure, the accounting treatment of leasing at Astra Credit Companaise in accordance with SFAS applicabl.Keywords : Application of consumer finance lease, PSAK No.30

scholarly journals Innovations in Consumer Finance in India

2011 ◽  
Vol 3 (5) ◽  
pp. 341-343
Author(s):  
Pooja V Mehta ◽  
Keyword(s):  
Consumer Finance
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