This study aims to identify and analyze: (1) procedures for implementing the
credit agreement at Star Motor Trade Business in Boyolali, (2) how the settlement of
bad loans caused by force majeure at Star Motor Trade Business in Boyolali, and (3)
constraint arising in the settlement of bad debts due to force majeure at Star Motor
Trade Business in Boyolali and how to overcome them.
This research is empirical or non-doctrinal law by doing research on
secondary data for the research followed the primary data in the field. Qualitative
nature of this study is to present the descriptive findings in the form of a detailed
description of the sentence, complete, and thorough about the process of how things
happen. This legal research using a qualitative approach. The study was conducted
at Star Motor Trade Business in Boyolali. The type of data used are primary and
secondary data, which is divided into primary and secondary legal materials. Data
collection techniques used were interviews and document research or library
materials. The analysis technique used is interactive model (Interactive Model of
Analysis).
Based on the results of the assessment and discussion of the resulting
conclusions, Firstly, Implementation of vehicle loans at Star Motor Trade Business in
Boyolali has been done according to the procedures specified and the main rules
applicable treaty that under Article 1320, Article 1337, Article 1338, Article 1754
and Article 1759 Code of Laws Civil Code and Law No. 42 Year 2009 on Fiduciary.
Secondly, solution settlement of bad loans caused by force majeure at Star Motor
Trade Business Boyolali ie preceded by an analysis of the state of the debtor under
conditions of force majeure. From the results of this analysis are classified into three
categories of debtors, the debtor is not able, less capable, and able. The above
classification and provisions with the rest of the loan value deficiency subsequently
determined loan resolution solutions for each debtor. Thirdly, constraints arising in
the settlement of bad loans due to force majeure at Star Motor Trade Business
Boyolali, these are due to the limited performance factors creditors and labor, from
which the debtor's debtor factors that give false confessions, and other factors
derived from , the emergence of non-governmental organizations to introduce
themselves to the public as the hero of debt by abusing the authority and interfering
in the bonds of community are still in the bank credit agreement or other loan places
including debtor Star Motor Trade Business in Boyolali.
Keywords: debtor, bad credit, force majeure
