Jaminan Fidusia sebagai Syarat dalam Pemberian Kredit di BRI Multifinance

The implementation of the provision of credit by a financing institution must be registered with a fiduciary guarantee. This is done so that the rights of each party can be guaranteed. Research on fiduciary security as a condition for providing credit at BRI Multifinance here talks about the requirements that are mandatory but have not been implemented properly. This research was conducted with the aim of knowing the relationship and legal responsibility between the parties in providing credit, the procedure for granting credit at BRI Multifinance, the implementation of credit disbursement without being based on fiduciary guarantees, the reasons for not registering fiduciary guarantees and the legal consequences for unregistered fiduciary guarantees. The research used is descriptive using the empirical (non doctrinal) approach. Data obtained by data collection methods in the form of literature and field studies. The data analysis technique of this research is qualitative data analysis. The results show that the practice of registering fiduciary guarantees in providing credit at BRI Multifinance is still not optimal and is not in accordance with the Civil Code and the Law of the Republic of Indonesia Number 42 of 1999 concerning Fiduciary Guarantee