Execution Of Fiducia Guarantee In Government Pawnshop Companies In Semarang City

Abstract

The line of business carried out by the pawnshop company is always experiencing growth. At the moment, it does not only provide facilities for lending money guaranteed by pawnshop but also includes other activities, one of which is a credit facility with fiduciary collateral. This fiduciary loan is intended to help Micro, Small and Medium Enterprises to obtain financing easily and quickly. This fiduciary guarantee benefits the creditors, because it can provide confidence that the debt will be repaid by the debtor in accordance with the agreement. On the other hand the giver guarantees the benefits of getting financing and can still use collateral. However, the use of fiduciary guarantees at the pawnshop company raises problems in practice. Among other things, there are differences in the principle between pawning with fiduciary collateral and fiduciary collateral execution if the debtor defaults.