Kedudukan Hukum Covernote Notaris Terhadap Perlindungan Hukum Bank dalam Perjanjian Kredit

Abstract

Keywords : Covernote, Legal Protection, Credit AgreementThe signing the credit agreement between the bank and the debtor using the guarantee will generally be bound by notarial deed to then in the process of loading the guarantee. Before the guarantee process is completed then the notary will issue Covernote to the bank as creditor. The purpose of this research is to find out how is the Covernote position issued by the notary in the credit agreement of the bank? And how the legal strength of covernote notary is to provide legal protection for banks as creditors in credit agreements. This research uses normative legal research methods. The results showed that the position of Covernote issued by a notary in a bank credit agreement only applies as a statement from a notary / PPAT as the official who made the Covernote who explained that there had been a credit or guarantee binding. Covernote is not proof of collateral, but only as an introduction and temporary evidence is a guide for the bank that will issue credit. Covernote notary does not have the legal force to provide legal protection for banks as creditors in credit agreements in the event of default when the guarantee process is still carried out by a Notary. Abstrak Kata kunci:Covernote, Perlindungan Hukum, Perjanjian Kredit.

Kedudukan Hukum terhadap Covernote Notaris dalam Pencairan Kredit

“…Covernote bukanlah bukti jaminan kredit. Covernote hanya berlaku sebagai keterangan dari notaris atau PPAT selaku pejabat yang membuat Covernote tersebut yang menerangkan bahwa telah terjadi pengikatan kredit atau jaminan (Pradnyasari & Utama, 2018). Kedudukan Covernote yang dibuat oleh Notaris bukan merupakan bukti agunan, karena covernote dalam hal ini hanya berkedudukan sebagai Surat Keterangan dari Notaris untuk Bank yang akan mengeluarkan kredit yang berisikan tentang masih terjadi proses yang masih harus dilakukan untuk pengikatan suatu jaminan sehingga menjadi Hak Tanggungan.…”

Legal Protection for Banks in Using Notary Covernotes in Credit Agreements That Cause Bad Loans

“…And so, it is important for a notary to be able to understand the provisions regulated by law so that the general public who do not know or do not understand the rule of law can understand correctly and do not do things that are contrary to the law. 3 A notary is a public official who can provide legal guarantees and protection through the formulation of an authentic deed he makes. Based on this, a notary is seen as an honorable profession because it is in charge of serving the interests of the general public.…”