Kepastian hukum penggunaan covernote yang dikeluarkan oleh notaris bagi bank syariah dalam pencairan akad pembiayaan murabahah

Yustika, Shella (2020) Kepastian hukum penggunaan covernote yang dikeluarkan oleh notaris bagi bank syariah dalam pencairan akad pembiayaan murabahah. Masters thesis, Universitas Pelita Harapan.

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Abstract

Salah satu penyaluran dana yang diberikan bank syariah berupa pembiayaan murabahah, pada prakteknya notaris membuat covernote guna meyakinkan pihak bank bahwa telah ada suatu perbuatan hukum yang dilakukan, tetapi masih dalam proses pembuatan Akta-aktanya ataupun pengesahan/legislasi. Praktek yang terjadi, notaris/PPAT tidak memenuhi kewajiban untuk menyelesaikan proses penerbitan sertifikat hak atas tanah serta menyerahkan Sertifikat Hak Tanggungan sesuai jangka waktu yang ditetapkan dalam covernote. Dari hasil penelitian, bahwa covernote tidak memenuhi kepastian hukum karena covernote hanya sebatas surat keterangan serta tidak ada Perundang-Undangan yang mengatur kewenangan notaris dalam mengeluarkan covernote, kepastian hukum dapat dipenuhi jika diatur dalam perundang-undangan yang mengatur secara jelas dan logis sehingga memiliki aspek yuridis yang dapat menjamin adanya kepastian hukum. Penerapan prinsip kehati-hatian dalam pemberian pembiayaan harus dilakukan bank sejak awal permohonan pembiayaan diajukan sampai pembiayaan lunas sesuai dengan SOP dan peraturan Perundang-undang perbankan dengan melakukan kunjungan langsung, pembinaan terhadap nasabah, dan Monitoring serta mencatat dan mendata semua covernote dari notaris/PPAT ke dalam buku pantuan penyelesaian pekerjaan notaris/PPAT. / One of the funds issued by Sharia Bank in the form of financing murabahah, in practice notary make covernote to convince the bank that there is a legal action done, but still in the process of making the act or confirmation/legislation. The practice that occurs, notary/PPAT does not fulfill the obligation to complete the issuance process of land rights certificate and submit the certificate of liability in accordance with the period specified in the covernote. From the results of the study, that covernote does not meet the legal certainty because covernote is only limited letter of information and no legislation that regulates notary authority in the covernote, legal certainty can be fulfilled if regulated in legislation that regulates and is logical so that have a juridical aspect that can guarantee a legal certainty. Application of prudence principle in the provision of financing must be done by the bank since the beginning of the financing application is submitted until the financing of the paid in accordance with the SOP and regulation of the banking law by conducting direct visits, and monitoring and recording and data on all covernotes from notary/PPAT in the book of notary work completion.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Yustika, ShellaNIM01656180014shellayustikaa@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN0324024801jonker.sihombing@uph.edu
Uncontrolled Keywords: Covernote ; Notary Public ; Islamic Bank ; Murabahah contract
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Sheilla Yustika
Date Deposited: 06 Aug 2020 08:48
Last Modified: 06 Aug 2020 08:48
URI: http://repository.uph.edu/id/eprint/9698

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