Perlindungan terhadap Lembaga Consumer Finance atas Wanprestasi yang Dilakukan oleh Konsumen
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Abstract
This research discusses how the law protects business actors from consumers
who do not have good faith in carrying out their obligations in paying
installments. So, this study aims to analyze, prove, and find value on the
principle of default committed by consumers in cases between PT. SINARMAS
MULTIFINANCE MEDAN BRANCH with its debtors in decision No.
688/Pdt.Sus-Bpsk/2018/PN Medan. Based on the objectives to be achieved, this
study uses a normative juridical method using references from various books,
journals, legislation, and other supporting literacy. The results of this study
reveal that the agreement given by the consumer finance party regarding the
rights and obligations imposed on the debtor is to pay instalments, if this
obligation is not fulfilled then a subpoena can be given. If it is not fulfilled, then
the goods that are used as objects can be withdrawn, as a result the debtor can
lose the right to the goods, and the consumer finance party can terminate the
agreement unilaterally. Finally, this study concludes that there has been an act of
default by the debtor to the creditor. Furthermore, he found that the form of
protection for consumer finance for motorized vehicles for consumer default,
namely the agreement of substitution power for unit acquisition and the sale of
fiduciary guarantees.
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