Bankruptcy of PT Courts Indonesia, Tbk from Business Law perspective

Contract business hire – purchase is really mushrooming recently, it is good sign and indication that our society are becoming beware of law enforcement. In other side as customer off course it is not enough since not calculating benefit cost ratio and economic added value. Concerning to the right and compulsory or obligation between parties should be also creating added value for the parties. Now days, mostly the parties only stipulated and concern the magnitude of nominal rupiah without calculating benefit cost ratio and defining equality position before the law based on contract business it self.

Create economic added value is the important part should be though in the beginning, like business contract hire - purchase electronic goods that recently very mushrooming. With pattern of emotion purchasing only few of customer desire to calculate benefit cost ratio in detail, regarding the application of Law Number 008 Year 1999 about customer protection. Digging up the economic added value in economic perspective and law about business contract hire purchase hence, the key things are pattern of income customers, saving, free risk of bank central, interest rate in market and opportunity cost. The items are stipulated is the application of BW, chapter 1365 about the element of loss covered.

Bali, no different, walk a bang of Tengku Umar street it is digital world that never sleep and fully crowded of customers. Get in to one phone shop; there are many kinds of hand phone from the conventional to sophisticated one from the cheap to the expensive one, off course this circumstances really spoiled the customer and triggering the purchasing on emotion. Customers not really care about need and utility that finally can not match the equilibrium between indifferent curve and budget line. It is also indicate that pattern of purchasing not different and must be shifted become smart customer.

Based on fact finding now days, it is the starting point of customer to eager to calculate benefit cost ratio, added value and defining equality between parties in signing the business contract of hire purchase especially for electronic goods. With having the pattern above, purchasing on emotion going to be shifted become as smart customer.