PELAKSANAAN EKSEKUSI JAMINAN FIDUSIA DALAM PENYELESAIAN KREDIT MACET DI PERUSAHAAN PEMBIAYAAN PT. MITRA PINASTHIKA MUSTIKA FINANCE DI KOTA PEKANBARU

Consumer Financing Agreement established by the financing institution. On the basis of fiduciary trust, what should be done by the fiduciary recipient (creditor), if the fiduciary (debtor) neglects his obligation or the injury of the promise in the form of the contributor of the Fiduciary (debtor) fulfills his obligation when his debt repayment is ripe for billing, then in such event, the fiduciary receiver (creditor) may execute his execution of a fiduciary assurance object. The main problem in this research is how the execution of fiduciary guarantee in the settlement of bad debts in finance company PT. Partners Pinasthika Mustika Finance in Pekanbaru City and what are the obstacles in the execution of fiduciary security objects in the settlement of bad debts in finance company PT. Mitra Pinasthika Mustika Finance in Pekanbaru City. Research method used is Observational Research by survey, that is interview as data collecting tool. In this study the authors conducted a direct study on the location of research to obtain materials, data and information related to this research. The nature of the research, this study is descriptive analytical, which provides an image of a happening event clearly and detailed about the Execution of Fiduciary Guarantee Execution in the Settlement of Bad Debts At Financing Company PT. Mitra Pinasthika Mustika Finance In Pekanbaru City. From the results of the study can be concluded, the implementation of fiduciary guarantee execution in the settlement of bad debts in finance company PT. Partners Pinasthika Mustika Finance in Pekanbaru City is done to customers who do wanprestasi with the retrieval of collateral goods from the hands of customers or in the hands of third-party beneficiaries, which is the last effort of PT. Partners Pinasthika Mustika Finance in Pekanbaru City to save assets in an effort to minimize losses, if the customer can no longer make installment payments by conducting the sale of collateral goods, the proceeds of the sale to pay off the remaining debt of the recipient of the facility. While consumer PT. Mitra Pinasthika Mustika Finance Pekanbaru City in 2014 amounted to 136 people who entered into a four-wheeled motor vehicle financing agreement. While those who experienced bad credit category weight that is 5 people. And the settlement efforts made by PT. Mitra Pinasthika Mustika Finance In Pekanbaru City is requesting and involves the recipient of the facility (debtor) to designate where the goods are transferred. If this effort is unsuccessful then the steps taken are to report the existence of criminal act of evasion to the police