Peran notaris dalam perjanjian kredit modal kerja pada PT. Bank Tabungan Negara Tbk

Merta, Merta (2023) Peran notaris dalam perjanjian kredit modal kerja pada PT. Bank Tabungan Negara Tbk. Masters thesis, Univeritas Pelita Harapan.

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Abstract

Pelaksanaan pemberian kredit yang dilakukan oleh bank tentu saja tidaklah selalu berjalan mulus sesuai harapan sehingga dalam pelaksanaanya bank haruslah hati- hati. Bank harus dapat bersikap bijak dalam memberikan pinjaman atau kredit kepada masyarakat sehingga dalam hal ini pihak bank haruslah memperhatikan prinsip-prinsip penyaluran atau pemberian kredit. Prinsip penyaluran kredit adalah prinsip kepercayaan, tenggang waktu, degree of risk (resiko), prestasi/objek kredit. Indikator dari pemberian kredit ini adalah kepercayaan moral, komersial, finansial, dan agunan. Salah satu prinsip kehati-hatian yang digunakan bank dalam memberikan kredit perbankan yaitu dengan menggunakan barang jaminan guna mendapat jaminan pelunasan hutang apabila kreditur melakukan wanprestasi. Adanya barang jaminan yang diatur dalam hak tanggungan berfungsi apabila ada debitur yang ingkar janji atau melakukan wanprestasi terhadap perjanjian kredit tersebut maka pihak bank (kreditur) bisa melakukan eksekusi terhadap hak tanggungan dengan melakukan pelelangan umum guna memenuhi prestasi yang tertunda oleh debitur, maka dalam hal ini bank juga tidak terlalu beresiko apabila memberikan kredit dalam jumlah yang besar sesuai dengan barang yang ditanggungkan. Di dalam surat keterangan/covernote Nomor: 74/EA/Not/DS/II/2014 tanggal 27 Februari 2014 yang menerangkan bahwa Notaris seolah-olah terdakwa sudah menerima seluruh persyaratan untuk balik nama 93 SHGB sehingga dapat dibalik nama dari PT ACR ke PT KAYA yang mengakibatkan pencairan Kredit Modal Kerja Konstruksi Kredit Yasa Griya (KMK-KYG) kepada PT. KAYA dapat dilakukan. Terkait adanya indikasi pelanggaran profesi Notaris, sesuai UUJN merupakan ranah majelis pengawas yang ada di tingkat kabupaten/kota, wilayah dan pusat untuk memprosesnya secara internal. / The implementation of lending by banks, of course, does not always run smoothly as expected, so that in its implementation, banks must be careful. Banks must be able to act wisely in providing loans or credit to the public so that in this case the bank must pay attention to the principles of distribution or lending. The principle of lending is the principle of trust, grace period, degree of risk, achievement/credit object. The indicators of this credit are moral trust, commercial, financial, and collateral. One of the precautionary principles used by banks in providing banking credit is to use collateral to guarantee debt repayment if the creditor defaults. The existence of collateral regulated in the mortgage works if there is a debtor who breaks his promise or defaults on the credit agreement, the bank (creditor) can execute the mortgage by conducting a public auction to fulfill the achievements pending by the debtor, so in this case Banks are also not too risky if they provide large amounts of credit according to the goods insured. In the statement letter/covernote Number: 74/EA/Not/DS/II/2014 dated 27 February 2014 which explained that the Notary seemed as if the defendant had accepted all the requirements for the transfer of the name 93 SHGB so that the name could be reversed from PT ACR to PT KAYA which resulting in the disbursement of the Yasa Griya Construction Working Capital Loan (KMK-KYG) to PT. KAYA can be done. Regarding indications of violations of the Notary profession, according to UUJN it is the domain of the supervisory boards at the district/city, regional and central levels to process them internally.

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