Analisis Yuridis Perlindungan Hukum Para Pihak Dalam Pembiayaan Multiguna Dengan Cara Fasilitas Dana di PT.Federal Internasional Finance (FIF Group) Cabang Tembung, Deli Serdang

Abstract

One of the financing institutions in Indonesia is the Federal International Finance Company (FIF Group), the FIF Group has many branches, one of which is located in Tembung, Deli Serdang in terms of lending, FIF offers loan products using collateral namely BPKB (Proof of Motor Vehicle Ownership), financing activities are conducted through a lending system where consumers make payments in instaallments. The implementation of the consumer finance agreement is inseparable from the encumbrance of collateral, the primary collateral in this multiporpose financing is a fiduciary guarantee. The problems discussed in this research namely legal regulation of multiporpose financing agreements through funding facilities, legal protection of the parties in multiporpose financing agreements through funding facilities at PT. Federal International Finance (FIF. Group) Tembung Branch, Deli Serdang, as well as obstacles in completing the execution of collateral in multi-porpose financing through funding facilities and strategies to address them. This research uses a normative juridical approach, which involves studying library materials or secondary sources. This descriptive research in conducted using qualitative analysis method. In practice, the provisions or rules estabilished and agreed upon by both parties in the implementation of the financing agreement often do not comply and are not in accordance with the contents of the agreement, whether it is intentional or due to negligence of the parties, where the executed agreement often does not align with their original intentions. This condition usually occurs due to various obstacles.