[{"_1":2,"_127":-5,"_128":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","id","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","dbd10085-63d5-47ce-99a5-dc6cb5bd420f","regulationData",{"_36":33,"_37":38,"_123":124,"_125":126},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_58":59,"_60":61,"_65":66,"_70":71,"_72":73,"_74":75,"_76":77,"_78":-5,"_79":80,"_81":82,"_83":-5,"_84":85,"_86":87,"_88":89,"_90":91,"_92":93,"_100":101,"_102":103,"_104":105,"_106":107,"_112":113,"_114":115,"_116":117,"_118":119,"_120":-5,"_121":122},"title","Peraturan Menteri Keuangan Nomor 43/PMK.010/2012 Tahun 2012 tentang Uang Muka Pembiayaan Konsumen untuk Kendaraan Bermotor pada Perusahaan Pembiayaan","short_title","Peraturan Menteri Keuangan (PMK) Nomor 43/PMK.010/2012","number","43/PMK.010/2012","year","2012","published_date","2012-03-15","effective_date","status_id","89192b77-602e-484c-89df-4fd3166b732a","status",{"_6":51,"_54":55,"_56":57},"name","Tidak Berlaku","description","Peraturan yang sudah tidak berlaku karena dicabut, diubah, atau habis masa berlakunya","type_id","5f387f21-3aa6-45f8-9d3a-4d744ce19d10","type",{"_6":59,"_54":62,"_63":64},"Peraturan Menteri Keuangan","short_name","PMK","subjects",[67],{"_6":68,"_54":69,"_56":-5},"54d08c24-6ebe-45ac-aceb-ef774a10c175","Badan Usaha & Perdagangan","tags",[],"location","Kementerian Keuangan","place_of_enactment","Jakarta","theme","Uang Muka Pembiayaan Konsumen untuk Kendaraan Bermotor pada Perusahaan Pembiayaan","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2012
Peraturan Menteri Keuangan (PMK) NO. 43/PMK.010/2012, BN 2012/ NO 312; PERATURAN.GO.ID : 4 HLM
Peraturan Menteri Keuangan (PMK) TENTANG Uang Muka Pembiayaan Konsumen untuk Kendaraan Bermotor pada Perusahaan Pembiayaan
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Menteri Keuangan (PMK) ini mulai berlaku pada tanggal 15 Maret 2012. \n \n

","regulatory_relationship","Peraturan ini mengubah:\n1. Peraturan Menteri Keuangan Nomor 84/PMK.012/2006 tentang Perusahaan Pembiayaan","scope_and_parties","policy_content","

Latar Belakang dan Tujuan

Peraturan ini ditetapkan untuk meningkatkan peran perusahaan pembiayaan dalam pembangunan nasional dan mengurangi risiko pembiayaan serta meningkatkan prinsip kehati-hatian dalam penyaluran pembiayaan konsumen untuk kendaraan bermotor. Hal ini dilakukan dengan mengatur ketentuan uang muka pembiayaan konsumen.

Ketentuan Substansial

Perusahaan pembiayaan yang melakukan kegiatan usaha pembiayaan konsumen untuk kendaraan bermotor diwajibkan menerapkan ketentuan uang muka. Untuk kendaraan bermotor roda dua, uang muka minimal adalah 20% dari harga jual. Untuk kendaraan bermotor roda empat yang digunakan untuk tujuan produktif, uang muka minimal adalah 20%, sedangkan untuk tujuan non-produktif, minimal 25%. Kendaraan produktif harus memenuhi kriteria tertentu, seperti memiliki izin usaha yang relevan.

","transitional_provisions","1. Perusahaan Pembiayaan yang telah memperoleh izin usaha sebelum Peraturan Menteri Keuangan ini mulai berlaku, wajib menerapkan ketentuan uang muka sebagaimana dimaksud dalam Pasal 1 ayat (1) dalam perjanjian pembiayaan konsumen dalam jangka waktu paling lama 3 (tiga) bulan sejak Peraturan Menteri Keuangan ini mulai berlaku.","sanctions","1. Perusahaan Pembiayaan yang melanggar ketentuan dikenakan sanksi administratif berupa peringatan, pembekuan kegiatan usaha, atau pencabutan izin usaha.\n2. Sanksi peringatan diberikan secara tertulis paling banyak 3 kali berturut-turut dengan masa berlaku masing-masing 2 bulan.\n3. Jika peringatan ketiga berakhir dan ketentuan belum dipenuhi, dikenakan sanksi pembekuan kegiatan usaha selama 1 bulan.\n4. Jika setelah pembekuan ketentuan masih belum dipenuhi, izin usaha dicabut.","revokes",[],"revoked_by",[94],{"_95":96,"_97":98,"_36":99},"text","PMK No. 23/PMK.010/2017 tentang Pencabutan Peraturan Menteri Keuangan/Keputusan Menteri Keuangan Yang Pengaturan Kewenangannya Beralih Dari Kementerian Keuangan Kepada Otoritas Jasa Keuangan","link","https://peraturan.bpk.go.id/Details/112608/pmk-no-23pmk0102017","f2f9ebed-5a5e-4300-8ec1-2b895885cc50","partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[108],{"_95":109,"_97":110,"_36":111},"PMK No. 220/PMK.010/2012 tentang Perubahan atas Peraturan Menteri Keuangan Nomor 43/PMK.010/2012 tentang Uang Muka Pembiayaan Konsumen untuk Kendaraan Bermotor pada Perusahaan Pembiayaan","https://peraturan.bpk.go.id/Details/150836/pmk-no-220pmk0102012","6b1b3300-6d98-4a74-9e99-7a983fe3a055","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

STATE GAZETTE
REPUBLIC OF INDONESIA

No.312, 2012

REGULATION OF THE MINISTER OF FINANCE OF THE REPUBLIC OF INDONESIA
NUMBER 43/PMK.010/2012
REGARDING
DOWN PAYMENT OF CONSUMER FINANCING FOR MOTOR VEHICLES
AT FINANCE COMPANIES

BY THE GRACE OF GOD ALMIGHTY

MINISTER OF FINANCE OF THE REPUBLIC OF INDONESIA

\n\n \n \n

Considering:

that in order to improve the role of finance companies in national development, Regulation of the Minister of Finance Number 84/PMK.012/2006 concerning Finance Companies has been established;
that with the increasing demand for consumer financing for motor vehicles by the public and to reduce financing risk and increase the principle of prudence in the distribution of consumer financing, it is necessary to regulate the down payment of consumer financing for motor vehicles by Finance Companies;
that based on the considerations as referred to in letters a and b, it

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