Analisis Yuridis Terhadap Perjanjian Pembiayaan Konsumen

The objectives of this study are: a) to determine the legal construction and implementation of consumer financing agreements between creditors and debtors; b) To identify problems and solutions to consumer financing agreements between creditors and debtors. This type of research the writer uses in this research is descriptive. This type of descriptive research explains the existing regulations, namely the Minister of Finance Regulation Number 43 / PMK. 010/2012 Concerning Advances for Consumer Financing for Motor Vehicles in related Financing Companies in Consumer Financing Agreements. The approach method used in this research is the normative method. The research results obtained regarding the construction of consumer financing agreements between creditors and debtors at PT. BCA Finance Surakarta area, the authors conducted the analysis described in Article 1320 Civil Registry, the agreement is said to be valid if it meets 4 (four) conditions, including :. First, agree on Those Who Bind Himself. Second, the ability to act to make a covenant. Third, there is a certain thing. Fourth, a Halal Cause, this is in accordance with the requirements proposed by PT. BCA Finance to customers in the form of KTP identities, photocopies of family cards, accounts and electricity bills are part of the validity of an agreement.Provisions regarding the legal consequences of financial service agreements are described in the Financial Services Authority Regulation Number: 1 / Pojk. 07/2013 Concerning Consumer Protection in the Financial Services Sector in Article 10