Analisis Penyelesaian Kredit Macet Akibat Debitur Wanprestasi dalam Perjanjian Pembiayaan Konsumen di Kantor PT Arthabuana Margausaha Finance Cabang Surakarta

In this articel is to discuss the bad debts in the consumer finance companies and efforts to resolve what is used and the obstacles experienced. This articel is included into law research or empirical sociological descriptive, with a qualitative approach. The data collected by the author using a structured interview techniques, literature on primary and secondary data, and content analysis of secondary data sources. The cause of the debtor in default, which is a factor in bad faith since going to do the financing agreement, can not resolve the principal and interest installments corresponding time period specified in the agreement, as well as the funds are planned to pay principal and interest debt used for other purposes. Loan resolution most ideal according to PT Arthabuana Margausaha Finance branch Surakarta can through two efforts, the efforts of non-litigation and litigation. Barriers experienced while performing loan resolution efforts due to the debtor defaults include the presence of internal resistance and external barriers.For external barriers party finance company requesting internal and external parties to resolve these obstacles. For internal barriers the companies subject to reprimand and sanctions applicable consumer finance company