PERTANGGUNGJAWABAN PT. PEGADAIAN (PERSERO) CABANG TERANDAM PADANG TERHADAP KERUSAKAN BARANG JAMINAN GADAI

Abstract

Pegadaian is a non-bank financial institution whose function is to give credit to the public on the basis of a pawning law with the delivery of goods as collateral. The problems in this study are: 1. What is the procedure for filing a claim for compensation 2. How is the implementation of Pegadaian's responsibility in the event of damage to goods. The research method used is sociological legal research that is research into the field to get primary data. The nature of the research is descriptive analysis, that is, the research illustrates the reality that occurs regarding the liability of the Pawnshop for damage to pledge collateral. Based on the results of the study it can be concluded, 1. Procedures for filing claims for compensation, namely: a) pawning inventory inventory damaged / lost collateral, b) notification to the customer the day after inventory of damaged collateral, c) submitting compensation claims with the most time later than the auction date, d) fill in the compensation form by bringing the conditions, namely the original identity card, SBK (Credit Proof) in its own name or authorized, evidenced by the power of attorney of the owner, attaching proof of loan repayment and capital lease if it has been paid. 2. The liability of the pawnshop for damage to collateral is: a) the collateral is completely damaged / lost, replacement is 100% X estimated value, b) if it is partially damaged, the damaged is replaced, the existing part is given to the customer, c) if the customer not willing to accept, given full replacement.

Keywords: Responsibility, Pawnshop