<![CDATA[ABSTRACT One consumer finance company that provides credit facilities for two-wheeled motorized vehicles is FIF GROUP in Bengkayang Regency. In providing consumer financing facilities, FIF GROUP also requires a guarantee from the debtor. Finance companies that provide loan financing facilities for two-wheeled motorized vehicles on credit are required to register the collateral object (two-wheeled motorized vehicles) of the debtor at the Fiduciary Registration Office located at the Regional Office of the Ministry of Law and Human Rights. The legal basis for registration of fiduciary guarantees is regulated in the Regulation of the Minister of Finance Number: 130/PMK.010/2012 concerning Registration of Fiduciary Guarantees. However, in reality, FIF GROUP in Bengkayang Regency did not register a fiduciary guarantee for two-wheeled motorized vehicles with credit status at the Regional Office of the Ministry of Law and Human Rights in West Kalimantan.The formulation of the problem in this study is: "Has the FIF GROUP Financing Company Implemented Its Obligations in Registering Fiduciary Guarantees for Two-Wheeled Motorized Vehicles in Bengkayang Regency?". While the purpose of the study was to reveal the factors that caused the FIF Group financing company not to carry out its obligations in registering fiduciary guarantees for two-wheeled motorized vehicles in Bengkayang Regency, the legal consequences for FIF Group not carrying out their obligations in registering fiduciary guarantees for two-wheeled motorized vehicles two in Bengkayang Regency, and legal action taken by the Regional Office of the Ministry of Law and Human Rights of West Kalimantan against the FIF Group financing company that did not carry out its obligations in registering fiduciary guarantees for two-wheeled motorized vehicles in Bengkayang Regency. The legal research method used by the author is an empirical legal research method with a descriptive research nature.Based on the results of the study, it was concluded that the factors that caused the FIF Group financing company not to carry out its obligations in registering fiduciary guarantees for two-wheeled motorized vehicles in Bengkayang Regency were because FIF Group considered that registering fiduciary guarantees would only benefit consumers and impact on high costs. The legal consequences for finance companies, including the FIF Group, that do not carry out their obligations in registering fiduciary guarantees for two-wheeled motorized vehicles inBengkayang Regency are that they can be subject to sanctions in accordance with the provisions of Article 5 of Minister of Finance Regulation Number: 130/PMK.010/2012 and cannot withdraw (execute) units of two-wheeled motorized vehicles with credit status. Legal action from the Regional Office of the Ministry of Law and Human Rights of West Kalimantan against a FIF GROUP financing company that does not register a fiduciary guarantee for two-wheeled motorized vehicles in Bengkayang Regency has never imposed sanctions in accordance with the provisions of Article 5 of the Minister of Finance Regulation Number: 130/PMK.010/ 2012 concerning Registration of Fiduciary Guarantees for FIF GROUP financing companies in Bengkayang Regency that do not register fiduciary guarantees for two-wheeled motorized vehicles, because debtors have never reported FIF GROUP in Bengkayang Regency for not registering two- wheeled motorized vehicles as fiduciary guarantees to the Regional Office of the Ministry of Law and Human Rights West Kalimantan. Keywords: Liability, Financing Companies, Fiduciary Guarantees, Two- Wheeled Motorized Vehicles, Credit. ABSTRAK Salah satu perusahaan pembiayaan konsumen yang memberikan fasilitas kredit kendaraan bermotor roda dua adalah FIF GROUP di Kabupaten Bengkayang. Dalam memberikan fasilitas pembiayaan konsumen, FIF GROUP juga membutuhkan adanya suatu jaminan dari debitur. Perusahaan pembiayaan yang memberikan fasilitas pembiayaan kredit kendaraan bermotor roda dua secara kredit wajib mendaftarkan objek jaminan (kendaraan bermotor roda dua) debitur ke Kantor Pendaftaran Fidusia yang berada di Kantor Wilayah Kementerian Hukum dan HAM. Dasar hukum pendaftaran jaminan fidusia ini diatur dalam Peraturan Menteri Keuangan Nomor: 130/PMK.010/2012 tentang Pendaftaran Jaminan Fidusia. Namun dalam kenyataannya, FIF GROUP di Kabupaten Bengkayang tidak mendaftarkan jaminan fidusia terhadap kendaraan bermotor roda dua yang berstatus kredit di Kantor Wilayah Kementerian Hukum dan HAM Kalimantan Barat.Adapun rumusan masalah dalam penelitian ini adalah: “Apakah Perusahaan Pembiayaan FIF GROUP Telah Melaksanakan Kewajibannya Dalam Melakukan Pendaftaran Jaminan Fidusia Terhadap Kendaraan Bermotor Roda Dua Di Kabupaten Bengkayang?”. Sedangkan tujuan penelitian adalah untuk mengungkapkan faktor-faktor yang menyebabkan perusahaan pembiayaan FIF Group tidak melaksanakan kewajibannya dalam melakukan pendaftaran jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang, akibat hukum bagi FIF Group yang tidak melaksanakan kewajibannya dalam melakukan pendaftaran jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang, dan upaya hukum yang dilakukan oleh Kantor Wilayah Kementerian Hukum dan HAM Kalimantan Barat terhadap perusahaan pembiayaan FIF Group yang tidak melaksanakan kewajibannya dalam melakukan pendaftaran jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang. Metodepenelitian hukum yang digunakan penulis adalah metode penelitian hukum empiris dengan sifat penelitian deskriptif.Berdasarkan hasil penelitian, maka diperoleh kesimpulan bahwa faktor-faktor yang menyebabkan perusahaan pembiayaan FIF Group tidak melaksanakan kewajibannya dalam melakukan pendaftaran jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang dikarenakan FIF Group menganggap bahwa dalam mendaftarkan jaminan fidusia semata-mata hanya akan menguntungkan konsumen dan berdampak pada biaya tinggi. Akibat hukum bagi perusahaan pembiayaan, termasuk FIF Group yang tidak melaksanakan kewajibannya dalam melakukan pendaftaran jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang adalah bisa dikenakan sanksi sesuai dengan ketentuan Pasal 5 Peraturan Menteri Keuangan Nomor: 130/PMK.010/2012 dan tidak bisa melakukan penarikan (eksekusi) unit kendaraan bermotor roda dua yang berstatus kredit. Upaya hukum dari Kantor Wilayah Kementerian Hukum dan HAM Kalimantan Barat terhadap perusahaan pembiayaan FIF GROUP yang tidak mendaftarkan jaminan fidusia terhadap kendaraan bermotor roda dua di Kabupaten Bengkayang belum pernah memberikan sanksi sanksi sesuai dengan ketentuan Pasal 5 Peraturan Menteri Keuangan Nomor: 130/PMK.010/2012 tentang Pendaftaran Jaminan Fidusia kepada perusahaan pembiayaan FIF GROUP di Kabupaten Bengkayang yang tidak mendaftarkan jaminan fidusia terhadap kendaraan bermotor roda duanya, karena debitur tidak pernah melaporkan FIF GROUP di Kabupaten Bengkayang yang tidak mendaftarkan kendaraan bermotor roda duanya sebagai jaminan fidusia kepada Kanwil Kementerian Hukum dan HAM Kalimantan Barat.Kata kunci: Kewajiban, Perusahaan Pembiayaan, Jaminan Fidusia, Kendaraan Bermotor Roda Dua, Kredit. ]]>
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