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All Journal Mimbar Yustitia : Jurnal Hukum dan Hak Asasi Manusia
Prasetyo, Muhamad Zanuar
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Law, Crime, Criminology & Criminal Justice Social Sciences

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PENYELESAIAN PELAKSANAAN PERJANJIAN KREDIT PEMBIAYAAN MULTIGUNA AKIBAT NASABAH MENINGGAL DUNIA Prasetyo, Muhamad Zanuar
MIMBAR YUSTITIA : Jurnal Hukum dan Hak Asasi Manusia Vol 5 No 1 (2021): Juni 2021
Publisher : Universitas Islam Darul 'Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/mimbar.v5i1.2841

Abstract

Financial institutions provide consumer financing facilities (multipurpose financing) in the form of funding for consumer needs (customers) to purchase consumptive needs. The agreement process for the consumer financing facility must be able to convince the financing company. However, if the consumer (debtor) dies, who is still bound by the obligation to pay the installments, it is necessary to settle the implementation of the credit agreement. This study uses a normative legal research method by discussing the problem of goods credit agreements with multipurpose financing facilities on the completion of the implementation of multipurpose financing credit agreements caused by the customer's death. In connection with the death of the debtor, if the circumstances of death are the same as default in the form of not fulfilling any achievements at all, then the obligations of the deceased debtor must be continued by the person who is the guarantor in the financing agreement (in this case it can be the wife/husband or other person who his name is called the guarantor in the financing agreement).
PERJANJIAN KREDIT KENDARAAN BERMOTOR DENGAN FASILITAS PEMBIAYAAN MULTIGUNA TERHADAP ASAS KEBEBASAN BERKONTRAK Prasetyo, Muhamad Zanuar; Kuncoro, Cipto; Afiyah, Siti
MIMBAR YUSTITIA : Jurnal Hukum dan Hak Asasi Manusia Vol 4 No 2 (2020): Desember 2020
Publisher : Universitas Islam Darul 'Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/mimbar.v4i2.3334

Abstract

BCA Multifinance provides consumer financing facilities (multipurpose financing) in the form of funding for the purchase of motor vehicles. Motor vehicle loan agreement with installment payments at PT. BCA Multifinance is carried out in writing in a standardized form. For this reason, it is necessary to research whether the motor vehicle loan agreement with multipurpose financing facilities between the financing company and the customer (consumer) does not conflict with the principle of freedom of contract. The research method used is a normative legal research method. The use of this normative legal research method is based on the consideration that the discussion of the issues raised is related to the legislation, namely the Civil Code, and legal documents that have relevance to the goods credit agreement with the multipurpose financing facility of PT. BCA Multifinance Lamongan. Motor vehicle loan agreement with multipurpose financing facility based on the principle of freedom of contract, everyone may make a contract that contains and of any kind. Likewise, the existence of a standard clause in a motor vehicle loan agreement must meet certain conditions, both general requirements and special conditions so that the contract is valid according to law.
Co-Authors Afiyah, Siti Kuncoro, Cipto