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Suwinto Johan
Fakultas Hukum, Universitas Tarumanagara
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Journal : Jurisprudence

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Who is the Real Consumer in a Credit Purchase Transaction? Suwinto Johan
Jurnal Jurisprudence Vol 11, No 1 (2021): Vol. 11, No.1, Juni 2021
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jurisprudence.v11i1.15019

Abstract

Purpose of the study: This study aims to determine who the actual consumers are in financing purchase transactions according to the law and regulations.Methodology:The study employed a normative judicial method. Juridical methods are the research with the library data sources.Results:Consumers are end-users, not consumers who make payments or own the goods. This definition is derived from the Consumer Protection Act. This definition of the consumer must be refined in light of its practical application in society. The differences between the buyer, owner, and user of goods necessitate a comprehensive understanding.Application of this study :Consumers have the option of paying with cash or credit. They can purchase the goods with money by paying in full and taking full ownership and usage. Consumers can also purchase goods on credit or with financing. They can apply for credit to the financing institution. The goods purchased serve as collateral for funding. If the consumer fails to make a payment, the goods purchased will be withdrawn as collateral. The financing institution will determine the type of goods that can be used as collateral. The financing company will also decide on the type of financing.Novelty / Originality of this study:The definition of consumer in a credit purchase transaction.
Co-Authors Adhi Setyo Santoso Alicya Pingkan Elizabeth Watung Amad Sudiro Amad sudiro Amad Sudiro Amad Sudiro Andy Andy Anton Wachidin Widjaja Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Ariawan Gunadi Ariawan Gunadi Ariawan Gunadi Ariawan, Ariawan Bambang Juanda Cakranegara, Pandu Adi Calista Endrina Dewi Chandra Setiawan Chesy Conysia Fitri Safa'at Chesy Conysia Fitri Safa’at Chuadrey, A. Letizia M. Citra Rahayu Claudia Gita Hapsari Cyntia Fallen Dativa Averina Santie dedi kurniawan Dedi Kurniawan Dewi, Calista Endrina Eko Ganiarto Erika Victoria Faradiba Utari Kuswardani Ferdy Mahendra Fitri Amalia Rahman Gunard LIe Gunardi Lie Hendrik Aprilyanto Herbani, Laura Hermanto Siregar Hidayat, Agus Sofian Eka Hiqmatus Sholichah Ida Kurnia Ignatius Indrawan Sumawinata Indah Siti Aprilia Jovanka Andira Sarwoto Kezia Telambanua Khuzaimah, Zein Lie, Gunardi Luo Yuan Yuan Luo Yuan Yuan Manurung, Sony Priya Elita Markoni Markoni Muslih Abdillah Muslih Abdillah Nelly Then Ng, Marella Novia Clarista Mulyanto Okia Verda Suryani Perdana Wahyu Santoso Rayhan Mohmad Athallah Hafiz S. Richard Chandra Adam Russel Ryan Sarah Novalina Sipayung Sarah Novalina Sipayung Selly Angelina Sugiarto Sugiarto Tubagus Nur Ahmad Maulana Veronika Angel Siregar Victoria, Erika Wahyuni Rusliyana Sari Wira Wijaya Gea Wisnu Purnama Sidhi Yuan, Lou Yudi Iskandar