Peran dan tanggung jawab notaris terhadap perjanjian kredit perbankan

Suciani, Intan (2021) Peran dan tanggung jawab notaris terhadap perjanjian kredit perbankan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Di era industrialisasi saat ini, Kredit merupakan hal yang tidak jauh dari kehidupan sehari-hari. Untuk kalangan masyarakat, baik masyarakat mampu maupun kurang mampu, Kredit merupakan suatu solusi untuk mencukupi kebutuhan hidup masyarakat seperti : sandang, pangan, papan. Salah satu prinsip perkreditan yang penting adalah Jaminan. Dalam kegiatan perkreditan yang terjadi di masyarakat dapat diperhatikan bahwa umumnya sering dipersyaratkan adanya penyerahan jaminan kredit. Jaminan kredit akan mempunyai beberapa fungsi dan salah satunya adalah mengamankan pelunasan kredit bila pihak Debitur cidera janji. Jaminan kredit mempunyai peranan penting bagi pengamanan pengembalian dana bank. Tanah adalah salah satu benda tidak bergerak yang banyak dijadikan sebagai jaminan atas pelunasan Kredit. Jaminan hak tanggungan atas tanah sering digunakan untuk mendapatkan fasilitas kredit karena tanah memiliki nilai ekonomis yang tinggi dan selalu meningkat dari waktu kewaktu. Hak atas tanah sebagai jaminan dalam perjanjian antara Kreditur dengan Debitur dapat diikatkan dengan menggunakan Hak Tanggungan. Peran dan fungsi notaris/PPAT penting dalam membantu pemerintah serta pihak-pihak lain yang membutuhkan guna memberikan kepastian, ketertiban dan perlindungan hukum dalam membuat akta autentik dan pendaftaran Hak Tanggungan sampai diterbitkan sertifikat oleh Badan Pertanahan. / In the current era of industrialization, credit is not far from everyday life. For the community, both able and disadvantaged people, credit is a solution to meet the needs of people's lives such as clothing, food, shelter. One important credit principle is Guarantee. In the credit activities that occur in the community, it can be noted that in general it is often required to surrender credit guarantees. Credit guarantees will have several functions and one of them is to secure credit repayment if the Debtor fails to promise. Credit guarantees have an important role in securing bank refunds. Land is one of the immovable objects which is widely used as collateral for the repayment of credit. Guaranteed mortgage rights are often used to obtain credit facilities because the land has a high economic value and always increases over time. Land rights as collateral in the agreement between the creditor and the debtor can be bound by using the Mortgage. The role and function of the notary / PPAT is important in helping the government and other parties who need it to provide certainty, order and legal protection in making an authentic deed and registration of Mortgage Rights until a certificate is issued by the Land Agency.

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