PELAKSANAAN PERJANJIAN KREDIT ANTARA NASABAH DENGAN PT MANDIRI TUNAS FINANCE KANTOR CABANG BUKITTINGGI

Abstract

The implementation of the credit agreement between the customer and PT.Mandiri Tunas Finance, which should have been carried out according to the procedures established by PT.Mandiri Tunas Finance with reference to the precautionary principle, did not work as it should have, resulting in bad credit customers. In this research the author formulates the problems, namely:1).what is the form of implementing the agreement between the customer and PT.Mandiri Tunas Finance, 2) what obstacles are encountered when implementing the agreement between the customer and PT Mandiri Tunas Finance?3).What is the solution to overcome the problem of bad credit in the credit agreement between the customer and PT.Mandiri Tunas Finance? This research uses sociological legal research methods. The data sources used are primary and secondary data. The data collection techniques used were interviews and document study. The results of the research, find out what the customer's responsibilities are in the credit agreement if credit goes bad. 1).Form of credit agreement from PT.Mandiri Tunas Finance contains fiduciary guarantee regulations Number: 9071100298 dated 4 June 2011 concerning Consumer Financing Agreements with Fiduciary Transfer of Ownership Rights.2).Obstacles that are often encountered are bad credit carried out by customers, in resolving bad credit there are options such as over credit and execution object of fiduciary guarantee based on the Law.3).In resolving bad credit problems, the solution provided by PT.Mandiri Tunas Finance together with the Desck Collection division provides a Warning Letter (SP) to debtors who owe debts. Where the Warning Letter will be sent to the debtor 3 times.