Tanggung Jawab Hukum Terhadap Pembiayaan Kredit Sepeda Motor Di Oto Kredit Motor Salatiga

Along with the times, the need for transportation is increasing. Transportation in the form of motorized vehicles can be owned by purchasing in cash or in cash or by credit. The purchase of a motorized vehicle by means of credit involves a finance company that provides credit facilities for the purchase of motorized vehicles which cannot be carried out by cash payment. This study aims to determine the process of motor vehicle loan agreements between OTO Salatiga Motor Credit and customers, to find out the rules and rights and obligations between OTO Motorbike Salatiga and debtors and To find out legal liability if one party makes a mistake on the basis of default or acts against law. The method of approach used in this study is a normative approach because what is examined are legal aspects, legal principles and legal norms or norms. This type of research that the author uses is descriptive because in this study intends to describe or explain data as thoroughly as possible about the legal responsibility of the Salatiga Motor Credit OTO with debtors in the implementation of motor vehicle loans. The results showed that prior to the agreement the debtor must meet the requirements given by the Motor Credit Auto in the form of administrative and legal requirements. After the requirements are fulfilled and the debtor agrees to all contents of the agreement, an agreement is signed with both parties signing the deed of agreement. After the agreement, the legal relationship between the two parties arises to carry out the rights and obligations of each party, the Motor Credit Auto Party has the obligation to provide the agreed credit to the debtor, while the debtor's obligation is to return the credit in accordance with the agreed time period and conditions both parties to the agreement. If the parties do not carry out their obligations, they must compensate for violations of the promise or default as stipulated in article 1243 of the Civil Code and compensation for acts against the law as stipulated in article 1365 of the Civil Code