Implementation of the Constitutional Court Decision Number 18 / PUU-XVII / 2019 Towards Consumer Financing Institutions

The purpose of this research is to know and understand the implementation of consumer financing agreements and to solve problems that arise if there is default by the debtor in the implementation of the consumer financing agreement. This research is specific to the handling of late payments or even bad credit, which then the object of the agreement is executed / withdrawn by the debitor in relation to the Constitutional Court (MK) Decision Number 18 / PUU-XVII / 2019 which stipulates that the execution of fiduciary guarantees must obtain permission from the court. , meanwhile, the consumer financing agreement is equipped with a fiduciary certificate which has the power of execution. This becomes interesting to research so that it provides understanding for the parties concerned. This study uses a normative approach, using primary data and secondary data which are then analyzed using qualitative analysis techniques.