PENYELESAIAN KREDIT MACET DALAM KEPEMILIKAN SEPEDA MOTOR PADA PT. FEDERAL INTERNATIONAL FINANCE (FIF) DI KOTA PADANG

Abstract

ABSTRAK With the convenience offered by finance companies, where buyers do not have to pay in full in purchasing a vehicle but can pay with monthly payments (credit). Problem Formulation: 1) How is the settlement of motorcycle bad debts at PT. FIF in Padang City? 2) What are the obstacles in the settlement of motorcycle bad debts at PT.FIF? 3) Efforts made by PT. FIF in overcoming bad credit constraints? This research uses a sociological legal approach. The data sources used are primary data and secondary data. Data collection techniques are obtained through interviews and document studies. The data was analyzed qualitatively. Research results: 1) Settlement of bad credit motorbikes at PT. FIF, padang city branch, if the debtor does not have a good intention to install credit payments, the company will withdraw the collateral. 2) Obstacles in resolving bad credit at PT. FIF, namely, the collateral is pawned by the debtor, the collateral is sold, the recipient of the credit facility moves address, the debtor's monthly income has decreased, and the collateral has been modified. 3) In overcoming obstacles caused by bad credit motorbikes, financing companies generally use two approaches, namely litigation and non-litigation, at PT. FIF, the Padang city branch will prioritize a non-litigation approach, namely negotiation and mediation.