LEGAL PROTECTION OF CONSUMERS IN CONSUMER FINANCING AGREEMENTS

Abstract

Consumer is every user of goods and or service, either self interest, family or others. Consumer protection is any effort that ensures the existence of legal certainty to provide consumer protection for the realization of consumer protection objectives in Indonesia. Consumer financing agreements in terms of their forms and contents are standard agreements or standard agreements. Consumer finance agreement one of the agreements is a loan agreement with the transfer of property rights fiduciary, namely the transfer of ownership (object pembiyaan) carried out in trust to the consumer only the proof of ownership held by the creditor. Consumer dispute settlement in consumer financing agreement can be done by taking one of the three ways of settlement offered by Article 45 paragraph (2) of Law No. 8 of 1999 on Consumer Protection, according to the wishes and agreement of the parties to the dispute so as to create a relationship that Bothbetween companies / business actors and consumers.

Keywords: Legal Protection, Consumer, Consumer Financing Agreement, Motor Vehicle.