<![CDATA[The presence of various consumer finance institutions has contributed greatly to the economic development of the community, especially people who have difficulty dealing with banks. The purpose of the research is to find out, understand and analyze the factors that cause the perpetrator to commit a crime, the criminal responsibility of the perpetrator of a crime and the basis for the judge's consideration in imposing a sentence against the perpetrator of a crime. The research method used is normative empirical. The ownership rights to the fiduciary collateral have been transferred to the fiduciary recipient creditor, so that the person concerned is the perfect owner of the fiduciary collateral object. In order to protect the interests of the fiduciary recipient creditor if the fiduciary recipient debtor defaults, the fiduciary recipient creditor automatically has the authority to sell the object of the fiduciary guarantee through a public auction or privately.]]>
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