SMS Finance debtor reported to Langkat police
PT Sinar Mitra Sepadan (SMS Finance), Binjai branch (North Sumatra), has filed a police report against a debtor, identified as AS, with the Langkat Police Criminal Investigation Unit.
The report concerns the alleged transfer of a fiduciary-secured asset—specifically a truck—that is still subject to a financing agreement with PT SMS Finance. The vehicle is reportedly no longer in the debtor’s possession and has been transferred to another party.
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When filing the report, the PT SMS Finance Binjai branch was represented by its branch manager, Sarah Situmeang, and assisted by a legal team from the law firm Rion Arios (KARA) & Rekan, located at Jalan Yos Sudarso No. 65B, Glugur Kota, West Medan District, Medan City.
Rion Arios, S.H., M.H., Managing Partner of KARA Lawyers & Rekan, stated that his firm is assisting Sarah Situmeang—the Binjai branch manager representing PT SMS Finance—in these legal proceedings.
Rion made this statement to reporters after assisting SMS Finance in filing the police report against the debtor, who is suspected of having transferred the collateral. The report was filed on September 16, 2026, at the Langkat police station.
According to Rion, prior to filing the report, PT SMS Finance had made several attempts to resolve the matter amicably, including sending warning letters and formal legal notices to the debtor. “The leasing company contacted the debtor and sent warnings and formal notices. However, the debtor has failed to locate the truck—which served as collateral—since 2025,” said Rion.
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He explained that the alleged offense was reported because the vehicle, which was still serving as collateral under the financing agreement, had reportedly been transferred without the obligations to the financing company being met.
“After several attempts at a settlement, and because the collateral was no longer in the debtor’s possession, SMS Finance—represented by its Binjai branch manager, Ms. Sarah Situmeang, and the law firm KARA Lawyers—took legal action by reporting the matter to the Langkat police,” Rion stated.
Rion added that his company has fully entrusted the legal proceedings to the Langkat police investigators. KARA Lawyers and SMS Finance stand ready to provide the necessary documents and evidence to support the investigation.
“We respect the legal process being conducted by the police. We will submit all documents regarding the financing agreement and the collateral, as well as evidence of collection attempts and formal notices, should the investigators require them,” he said.
According to Rion, filing the report is a legal step taken by the company after various attempts to settle the issue regarding the fiduciary security failed.
“In principle, we did not immediately pursue criminal prosecution in this matter. Previous attempts and proceedings to resolve the issue have already been undertaken. Because the object of the fiduciary guarantee cannot be located—or its whereabouts cannot be established—the company is taking legal action in accordance with applicable regulations,” he concluded.
The police will subsequently investigate the report to determine whether a criminal offense has occurred and to identify the responsible parties. ***obs
Debitur SMS Finance Dilaporkan ke Polres Langkat
PT Sinar Mitra Sepadan (SMS Finance) Cabang Binjai, Sumatera Utara, melaporkan seorang debitur berinisial AS ke Satuan Reserse Kriminal (Reskrim) Polres Langkat.
Laporan tersebut berkaitan dengan dugaan pengalihan objek jaminan fidusia berupa satu unit truk yang masih terikat dalam perjanjian pembiayaan dengan PT SMS Finance. Unit kendaraan tersebut diduga sudah tidak lagi berada dalam penguasaan debitur dan telah dialihkan kepada pihak lain.
Dalam membuat laporan kepolisian tersebut, PT SMS Finance Cabang Binjai diwakili Kepala Cabang Binjai, Sarah Situmeang, dan didampingi tim hukum dari Kantor Advokat Rion Arios (KARA) & Rekan, yang berkantor di Jalan Yos Sudarso No. 65B, Glugur Kota, Kecamatan Medan Barat, Kota Medan.
Managing Partner KARA Lawyers & Rekan, Rion Arios, S.H., M.H., mengatakan pihaknya mendampingi Sarah Situmeang selaku Kepala Cabang Binjai yang mewakili PT SMS Finance dalam menempuh langkah hukum tersebut.
Hal itu disampaikan Rion kepada wartawan usai mendampingi pihak SMS Finance membuat laporan polisi terhadap debitur yang diduga mengalihkan objek jaminan fidusia tersebut di SPKT Polres Langkat, 16 September 2026.
Menurut Rion, sebelum membuat laporan polisi, pihak PT SMS Finance telah melakukan berbagai upaya untuk menyelesaikan persoalan tersebut secara persuasif, termasuk memberikan peringatan dan somasi kepada debitur.
“Pihak leasing sudah melakukan upaya pendekatan dan memberikan peringatan serta somasi kepada debitur. Namun, sejak tahun 2025, debitur tidak dapat menunjukkan keberadaan unit truk yang menjadi objek jaminan fidusia tersebut,” ujar Rion.
Ia menjelaskan, dugaan tindak pidana tersebut dilaporkan karena objek kendaraan yang masih menjadi jaminan dalam perjanjian pembiayaan diduga telah dialihkan tanpa penyelesaian kewajiban kepada perusahaan pembiayaan.
“Setelah dilakukan berbagai upaya penyelesaian dan berdasarkan fakta bahwa objek jaminan fidusia tersebut tidak lagi berada pada debitur, maka pihak SMS Finance, yang dalam hal ini diwakili Kepala Cabang Binjai, Ibu Sarah Situmeang, dengan didampingi KARA Lawyers, mengambil langkah hukum dengan melaporkannya kepada Polres Langkat,” jelas Rion.
Rion menambahkan, pihaknya menyerahkan sepenuhnya proses hukum kepada penyidik Polres Langkat. KARA Lawyers bersama pihak SMS Finance juga siap memberikan dokumen dan bukti-bukti yang diperlukan untuk mendukung proses penyelidikan maupun penyidikan.
“Kami menghormati proses hukum yang dilakukan oleh kepolisian. Seluruh dokumen terkait perjanjian pembiayaan, jaminan fidusia, serta bukti-bukti upaya penagihan dan somasi akan kami serahkan sesuai kebutuhan penyidik,” katanya.
Menurut Rion, laporan tersebut merupakan langkah hukum yang ditempuh perusahaan setelah berbagai upaya penyelesaian secara persuasif tidak membuahkan penyelesaian atas keberadaan objek jaminan fidusia.
“Prinsipnya, kami tidak serta-merta membawa persoalan ini ke ranah pidana. Ada proses dan upaya penyelesaian yang telah dilakukan sebelumnya. Karena objek jaminan fidusia tidak dapat ditemukan atau ditunjukkan keberadaannya, maka perusahaan mengambil langkah hukum sesuai ketentuan yang berlaku,” pungkasnya.
Selanjutnya, pihak kepolisian akan melakukan pemeriksaan dan pendalaman terhadap laporan tersebut guna menentukan ada atau tidaknya unsur tindak pidana serta pihak-pihak yang bertanggung jawab. ***obs
