| Summary: | Research on Consumer Financing Agreement with Fiduciary Guarantee
Agreement On PT.Adira Dynamics Branch Field Multifinance Tbk aims to find
out the factors that cause the occurrence of bad credit and an attempt to solve the
bad credit dynamics PT.Adira Multifinance Tbk Branch Field.
This study is an empirical research juridical or juridical sociological
research, which in conducting the study, researchers compared the provisions in
force in accordance with the will of the law in the state of law enforcement in the
field. Primary data and secondary data obtained through field research and library
research. The data were analyzed qualitatively and presented descriptively.
The results showed: 1. Prose lending in PT.Adira Branch Padang is not in
accordance with the applicable provisions and regulations applicable in PT.Adira
Dynamics Multifinace because marketing officer conduct in the performance
deviation due to the credit granting process because the high targets set by the
company and also affect the monthly incentive marketing so running the
marketing in the process did not survey the field and even falsify the data of
borrowers. Where unnoticed by the marketing impact of these deviations are nonperforming
loans in PT.Adira Padang.2 Branch. with respect to non-performing
loans in PT Adira Branch Padang, the company doing the billing efforts with the
power given to the deb collector who worked with PT.Adira Branch Padang and
the company does not escape from the constraints in the credit settlement received
a subpoena from the debtor, which is represented by BPSK (Dispute Settlement
Body). In the implementation of new fiduciary registration done by PT.Adira
Branch Padang problematic if credit and received a subpoena from the debtor that
is not in accordance with the provisions of the Act fiduciary that the fiduciary be
registered at the time of signing the loan agreement.
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