Tinjauan Yuridis Terhadap Perjanjian Kredit dengan Jaminan Fidusia Produk Kredit Aneka Guna untuk Umum (Studi Kasus di Pegadaian Kanwil I Medan)

Abstract

The present needs of life is a very heavy burden felt by some citizens. Perum Pegadaian as a non-banking service provider institution has a variety of products offered that KAGUM is one of diversified Perum Pegadaian business which is expected to become one of the mainstay products in the distribution of credit on fiduciary which is a support for the company's sustainability. The main subject of this research is the requirements and procedures for filing WAG, the rights and obligations of the parties and how the expiration of the KAGUM Credit Agreement. This study is a normative juridical approach that is legal research conducted by examining library materials or secondary data as a basic material to be investigated by conducting a search on the rules and the literature related to the problems studied namely Law Number 42 Year 1999 Regarding Fiduciary Security, Article 1131 and Article 1132 of the Civil Code, Government Regulation No. 103/2000 on Perum Pegadaian, Circular Letter Number: 17 / UL.1.00.22.2 / 2011 on Life Insurance and Credit Guarantee on KAGUM Products. Nature The research used in this research is descriptive analysis. The data collection was done by library study, document study and interview. Data analysis used is qualitative data analysis. Terms and procedures for submission of KAGUM is the debtor fill out the credit request form along with the identity of the collateral and the delivery of collateral, the analysis officer checks the documents and analyzes the feasibility and estimates the collateral, approval of Branch Manager, nota real binding, fiduciary registration, signing and disbursement of credit. The rights and obligations of the creditor and debtor the creditor shall be entitled to request the debtor's identity data, to receive redemption, to examine the object of guarantee, to seizure, and to make changes or adjustments to the agreement. The creditor's liability is to provide loans, return the proof of ownership of the guarantee goods, make a notice both oral and written and return the rest of the auction money. The end of the Agreement of KAGUM can be attributed to two things: debt repayment (achievement) and wanprestasi.