<![CDATA[AbstractGuarantee that mostly used in BPR is for motor vehicles. With the guarantee gives assurance that the debtor is able to pay off debts . But still the risk of wanprestasi debitors cannot be avoided. Each BPR has its own way to cope wanprestasi debitors. This research is an empirical legal research carried out to find out how credit procedures with the fiduciary and the factors that affect the implementation of a credit agreement with a fiduciary in PD BPR BKK WONOGIRI Cabang Jatipurno. The result of study shows that credit procedures with fiduciary through the stages of the loan application, credit analysis, credit decisions, creation of credit agreements, fiduciary guarantee registration and execution of fiduciary. Internal and external factors may affect the implementation of the credit agreement with fiduciary guarantee. Based on the result of the research and the analyze is concluded that firstly, procedure of credit giving with fiduciary warranty is basically similar to other warrants, but the credit giving with fiduciary warrant after processes in regional company of people`s creditor of PD BPR BKK WONOGIRI Cabang Jatipurno, Fiduciary act must be made on head of notaries, then listed to fiduciary registration office. Secondly issues which are appeared, is basically caused by fiduciary warrant of moved things. So that the value of thing is that if it is due to warrant things in long period of time, the value will decrease over the time.Keywords: Credit, Guarantee, Fiduciary. AbstrakJaminan yang banyak digunakan di BPR adalah kendaraan bermotor. Dengan adanya jaminan, BPR memberikan kredit kepada masyarakat, untuk memberikan kepastian bahwa debitor mampu melunasi hutangnya. Walaupun demikian resiko debitor wanprestasi tidak dapat dihindari, dan tiap-tiap BPR sudah memiliki cara masing-masing ketika debitur wanprestasi. Penelitian ini merupakan penelitian hukum empiris yang dilakukan dengan tujuan untuk mengetahui bagaimana prosedur pemberian kredit dengan jaminan fidusia dan faktor-faktor apa yang mempengaruhi pelaksanaan perjanjian kredit dengan jaminan fidusia di PD BPR BKK WONOGIRI Cabang Jatipurno. Berdasarkan hasil penelitian dan pembahasan dihasilkan simpulan. Kesatu, pelaksanaan prosedur pemberian kredit dengan jaminan fidusia pada dasarnya sama dengan pemberian kredit dengan jaminan lainnya, namun untuk kredit dengan jaminanfidusia setelah proses di PD BPR BKK WONOGIRI Cabang Jatipurno harus dibuat Akta Fidusia dihadapan notaris lalu didaftarkan ke Kantor Pendaftaran Fidusia. Kedua, permasalahan yang timbul pada dasarnya dikarenakan jaminan fidusia adalah benda bergerak sehingga nilai barang jika dijaminkan dalam waktu yang terlalu lama nilai barang tersebut akan menurun dari waktu ke waktu.Kata kunci: Kredit, Jaminan, Fidusia.]]>
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