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ABSTRAKPerlindungan hukum PT. Raffa Karya Utama terhadap konsumen yaitu pemberian garansi terhadap rumah yang dikreditkan. Tujuan penelitian ini adalah: (1). Mengetahui Perlindungan hukum PT. Raffa Karya Utama terhadap Konsumen dalam Jual beli perumahan secara kredit, (2). Mengetahui Faktor penghambat PT. Raffa Karya Utama dalam pelaksanaan Perlindungan hukum terhadap Konsumen dalam Jual beli perumahan secara kredit. Jenis penelitian ini adalah yuridis empiris dan bersifat deskriptif. Pengumpulan data dilakukan dengan wawancara dan dokumentasi. Hasil penelitian ini adalah: (1). Perlindungan hukum PT. Raffa Karya Utama terhadap Konsumen dalam Jual beli perumahan secara kredit adalah pemberian garansi 3 bulan sejak rumah tersebut ditempati dan fasilitas-fasilitas berupa akses jalan cor beton, fasilitas parkir disetiap rumah, fasilitas taman bermain anak, dan fasilitas pembuangan air atau siring. (2). Faktor penghambat PT. Raffa Karya Utama pada pelaksanaan Perlindungan hukum terhadap konsumen dalam jual beli perumahan secara kredit adalah adalah jika biaya perbaikan sedikit besar dan diluar pembangunan awal maka pihak developer akan kesulitan dalam melakukan perbaikan yang membuat terhambatnya perbaikan perumahan.Kata kunci: perlindungan hukum; jual beli perumahan secara kredit; konsumenABSTRACTLegal protection of PT. Raffa Karya Utama towards consumers, namely providing guarantees to the credited house. The objectives of this study are: (1). Knowing the legal protection of PT. Raffa Karya Utama on the Consumer in the sale and purchase of housing on credit, (2). Knowing the inhibiting factors of PT. Raffa Karya Utama in implementing legal protection for consumers in buying and selling housing on credit. This type of research is juridical empirical and descriptive. Data collection is done by interviews and documentation. The results of this study are: (1). Legal protection of PT. Raffa Karya Utama on the Consumer in the sale and purchase of housing on credit is the provision of a 3-month guarantee since the house is occupied and facilities in the form of concrete cast road access, parking facilities in every house, children's playground facilities, and drainage or siring facilities. (2). Inhibiting factors PT. Raffa Karya Utama on the implementation of legal protection for consumers in buying and selling housing on credit is that if the repair costs are a bit large and outside the initial development, the developer will have difficulty in making repairs that hamper housing repairs. Because of that before housing is completed, housing must be surveyed by the bank if there are consumers who are credit related. And before the house is occupied by consumers, the developer must also check the feasibility and readiness of the house immediately.Keywords: legal protection; housing sale by credit; consumer

PERLINDUNGAN HUKUM PT. RAFFA KARYA UTAMA TERHADAP KONSUMEN DALAM JUAL BELI PERUMAHAN SECARA KREDIT DI KOTA BENGKULU