Adira Finance: Customers Who Do Over Credit Without Confirming Can Be Convicted

Illustration. (Photo: Doc. Antara)

JAKARTA - PT Adira Dinamika Multi Finance Tbk (Adira Finance) can take legal steps against customers who overdo their vehicle or electronic goods bill payments to other parties without confirmation or reporting.

"If customers do over-credit without the knowledge or coordination of us, then we can take the matter to the realm of law," said Cluster Head Collection Adira Mataram Branch I Wayan Agus Hariadi in Mataram, quoted from Antara, Thursday, June 6.

Therefore, he appealed to Adira Finance customers to avoid this act and continue to follow credit agreements for financing the purchase of vehicles and electronic goods.

"If we are no longer able to pay bills, just tell us later, later we will find the right solution so as not to harm customers," he said.

Even though they can take legal steps, Wayan ensures that Adira Finance still prioritizes efforts to resolve problems in a mediation manner.

"We continue to prioritize mediation, but if it can't be resolved through mediation, then we will try to resolve it legally," he said.

Like the problem that happened to a Adira Finance customer named Muhammad Irwan who entered into a credit agreement to finance the purchase of four-wheeled vehicles in 2022.

In a credit agreement with Adira Finance, Irwan agreed to pay bills within 60 months with installments per month of IDR 5.74 million. However, after 9 times paying credit, it was recorded that the customer no longer fulfilled his obligations so that arrears appeared.

From the results of Adira Finance's search, it was revealed that Irwan had pawned his vehicle on the grounds that he needed personal funds. Because this cannot be tolerated anymore, Adira Finance took legal steps by reporting Irwan to the police in violation of the Republic of Indonesia Law Number 42 of 1999 concerning Fidusian Guarantee.

The report then reached the court table until May 27, 2024, the Mataram District Court stated that Irwan as a defendant was proven to have committed a criminal act of pawning an object that became the object of fiduciary guarantees.

The court judge sentenced Irwan to 1 year and 10 months in prison with a fine of Rp. 5 million, subsidiary to 3 months in prison.

The judge handed down this decision by stating that Irwan's actions were proven to have violated Article 36 of the Republic of Indonesia Law Number 42 of 1999 concerning Fidusia's Guarantee in conjunction with Article 55 paragraph (1) of the 1st Criminal Code.