Analisis yuridis cover note notaris sebagai syarat pencairan kredit bank

Dwiyanto, Widya (2016) Analisis yuridis cover note notaris sebagai syarat pencairan kredit bank. Masters thesis, Universitas Pelita Harapan.

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Abstract

Notary as Public Officials authorized to make authentic deed has an important role to undertake non-contentious loan agreement and security deed. Furthermore Land Deed Official (PPAT) also has important role if the security provided by debtor are land and objects above the land, after the deed of credit agreement and security has been executed then loan will be given. Before the loan disbursement by bank to debtor, bank will require a statement from aNotary commonly referred lo Cover Note,practically if therc is no Cover Note that loan can not be disbursed. Cover Note appears from habit of customary practice of Notary everyday, which clarify that there has been done a legal action between bank as creditors and customers as the debtor which copies of the authentic deed can not be given by a Notary at that moment, there is also a Cover Note to clarifu that the collateral of land and buildings still in registation process of the certificate or in the separation process of the certificate at the National Land Agency ( BPN ). Cover Note is not regulated in the Act concerning Notary, notwithstanding above Notary also not prohibited to make Cover Note. ln issuing Cover Note, Notary should notice of Notary responsibility and professionalism because if proven guilty by Iaw, the Cover Note made by Notary harm the recipient of the Cover Note, Notary must bear all legal consequonces. / Notaris sebagai Pejabat Umum yang berwenang untuk membuat akta otentik mempunyai peranan yang cukup penting dalam membuat akta perjanjian kredit dan pengikatan jaminan, disamping itu Pejabat Pembuat Akta Tanah (PPAT) juga sangat berperan dalam tahapan ini jika jaminan yang diberikan berupa tanah beserta benda-benda yang berada diatas tanah tersebut, setelatr akta perjanjian kredit dan pengikatan jaminan dilaksanakan dengan sempuma maka langkah selanjutnya adalah tatrapan pencairan kredit. Sebelum proses pencairan kredit dilakukan bank akan meminta surat keterangan dari Notaris yang biasa disebut dengan Cover Note, dapat dikatakan bila tidak ada Cover Note maka kredit tidak dapat dicairkan. Cover Note tirr-rbul dan tumbuh dari kebiasaan praktek notaris sehari-hari, yaitu suatu surat keterangan yang berisi bahwa telah terjadi perbuatan hukum antara para pihak yaitu bank selaku kreditur dan nasabah selaku debitur dimana salinan akta otentik atas perbuatan hukum tersebut belum dapat diberikan oleh Notaris yang membuatnya, ada juga Cover Note yang berisi keterangan bahwa jaminan berupa tanah dan bangunan dalam proses pensertipikatan atau dalam proses pecah sertipikat pada Badan Pertanahan Nasional (BPN). Cover Note tidak diatur dalam Undang-Undang Jabatan Notaris dan Notaris juga tidak dilarang untuk membuatnya. Dalam mengeluarkan Cover Nore hendaknya Notaris harus berhati-hati dengan selalu memperhatikan sisi tanggung jawab dan profesionalisme karena akibat hukum yang ditimbulkan Notaris dapat dimintakan pertanggung-jawabannya, bila terbukti bersalah secaxa hukum, merugikan penerima Cover l[o/e tersebut.

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