PERLINDUNGAN HUKUM KREDITUR ATAS SURAT KETERANGAN NOTARIS/COVERNOTE TERHADAP PROSES PENCAIRAN KREDIT
DOI:
https://doi.org/10.55681/sentri.v2i9.1531Keywords:
Liability, Covernote, Legal ProtectionAbstract
Problems in making a Covernote by a Notary in relation to credit disbursement and regarding the strength of the evidence if the disbursed credit is defaulted at a later date. This thesis research aims to analyze the responsibility of a notary in a notary's certificate/Covernote regarding the credit disbursement process. As well as creditor legal protection for a notary/Covernote statement regarding the credit disbursement process. The method used is the normative juridical research method by examining literature or secondary data alone, and by using the deductive thinking method, namely the way of thinking in drawing conclusions drawn then recommending suggestions. The theory used in this paper uses the theory of responsibility and the theory of legal protection. From the results of the study it was concluded that the legal responsibility of a notary in issuing a Covernote to issue a Covernote that he made does not have binding legal force in the Notary Office Act if a default debtor customer occurs. Covernote does not have binding and perfect legal force, so there must be legal protection for creditors. Collateral is a preventive means of legal protection. Because the collateral binding is not perfect, that Covernote can in fact be used as the basis for disbursing credit in a bank credit agreement with all elements, the principle of prudence, the existence of a credit agreement, the existence of collateral/collateral on credit, a sense of trust from the bank in disbursing credit because according to the bank complies with the provisions of the Law of the Republic of Indonesia Number 7 of 1992 concerning Banking. Creditor legal protection is based on the provisions of Articles 1131 and 1132 of the Civil Code. It is hoped that the Government will make laws and regulations related to Covernotes regarding the provisions of one article in regulations per law, especially the Notary Office Law. It is better for creditors/banks to pay attention to the principle of prudence in the process of granting credit by not using Covernotes as the basis for disbursing credit
Downloads
References
Abdurrahman, Masalah Pencabutan Hak-Hak atas Tanah dan Pembebasan Tanah di Indonesia, PT. Citra Aditya Bakti, Bandung, 1991
Abdul Ghofur Anshori, Lembaga Kenotariatan Indonesia: Perspektif Hukum dan Etika, UII Press Yogyakarta, 2009.
Abdul Hakim G Nusantara, Politik Hukum Indonesia. Jakarta: Yayasan Lembaga Bantuan Hukum Indonesia, 1988
Badrulzaman, Marian Darus, KUH Perdata Buku III, Hukum Perikatan Bidang Kenotariatan, Citra Aditya Bakti, Bandung, 2006
Djuhaendah Hasan, Lembaga Jaminan Kebendaan Bagi Tanah Dan Benda Lain Yang Melekat Pada Tanah Dalam Konsepsi Asas Pemisahan Horizontal, cetakan I, Citra Aditya Bakti, Bandung, 1996
Gatot Supramono, Perbankan dan Masalah Kredit Suatu Tinjauan Yuridis, Djambatan, Jakarta, 1996.
H. Budi Untung, Kredit Perbankan di Indonesia, Andi Offset, Yogyakarta, 2000.
H. Salim HS. dan Abdullah, Perancangan Kontrak dan MOU, Sinar Grafika, Jakarta, 2007
Habib Adjie, Sanksi Perdata dan Administratif Terhadap Notaris Sebagai Pejabat Pejabat Publik, Refika Aditama, Bandung, 2009
Hans Kelsen sebagaimana diterjemahkan oleh Somardi, General Theory Of Law and State, Teori Umum Hukum dan Negara, Dasar-Dasar Ilmu Hukum Normatif Sebagai Ilmu Hukum Deskriptif Empirik, BEE Media Indonesia, Jakarta, 2007
Perundangan
Undang-Undang Dasar Republik Indonesia tahun 1945;
Undang-Undang Republik Indonesia Nomor 2 Tahun 2014 tentang Perubahan Undang- Undang Nomor 30 tahun 2004 tentang Jabatan Notaris.
Kitab Undang-Undang Hukum Perdata (KUH Perdata). (Burgerlijk Wetboek voor Indonesie).
Undang-Undang Republik Indonesia No. 10 Tahun 1998 tentang Perubahan Undang-Undang No. 7 Tahun 1992 tentang Perbankan.
Undang-Undang Republik Indonesia Nomor 42 Tahun 1999 Tentang Jaminan Fidusia.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 SENTRI: Jurnal Riset Ilmiah
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
