Saputra, Stefanus Virdy Hans (2015) Akta perjanjian kredit bank berdasarkan asas keseimbangan ditinjau dari perspektif notariat. Masters thesis, Universitas Pelita Harapan.
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Abstract
Economic development make many business transactions and require contracting.
Prompting many people to make a form of contract which can be used to serve the
business transactions efficiently and effectively, is to create a standard contract that is
deemed often biased and unbalanced. Notary services as General Officer who made the
authentic deeds are needed in banking activities, one of which is in the manufacture of
bank loan agreement which involves the Customer and the Bank, in order to ensure the
correctness of the content contained in the bank credit agreement, so in public the truth no
doubt. The purpose of this study is to know and understand the validity of the standard
contract based on the principle of freedom of contract and analyze the bank loan
agreement made before a notary relation to standard contract terms from the perspective
of notary. Bank Credit Agreement Deed made by notarial beneficial to creditors, in terms
of guaranteeing the strength of evidence, guaranteeing the correctness of the deed and
ensure safety. Bank credit agreement is made by default, but not against the rules that
prohibited under Article 18 of Law No. 8 of 1999 on Consumer Protection, as the actual
raw format is just a basic format of the bank loan agreement, which in the subsequent
development towards this format still possible to negotiations and no pressure to other
side. / Perkembangan ekonomi menjadikan banyaknya transaksi bisnis dan memerlukan
pembuatan kontrak sehingga mendorong banyak pihak untuk membuat suatu bentuk
kontrak yang dapat digunakan untuk melayani transaksi bisnis secara efisien dan efektif,
yaitu dengan membuat suatu kontrak baku yang dianggap sering berat sebelah dan tidak
seimbang. Jasa Notaris sebagai Pejabat Umum yang membuat akta-akta otentik sangat
dibutuhkan dalam kegiatan usaha perbankan, salah satunya adalah dalam pembuatan akta
perjanjian kredit bank yang melibatkan Nasabah dan Bank, guna menjamin kebenaran
dari isi yang dituangkan dalam perjanjian kredit bank tersebut, supaya secara publik
kebenarannya tidak diragukan lagi. Tujuan dari penelitian ini adalah untuk mengetahui
dan memahami keabsahan perjanjian baku berdasarkan asas kebebasan berkontrak dan
menganalisa akta perjanjian kredit bank yang dibuat dihadapan notaris kaitannya dengan
perjanjian baku ditinjau dari perspektif notariat. Akta Perjanjian Kredit Bank yang dibuat
secara notariil bermanfaat bagi kreditur, dalam hal menjamin kekuatan pembuktiannya,
menjamin, kebenaran dari aktanya dan menjamin keamaannnya. Perjanjian kredit bank
dibuat secara baku, namun tidak bertentangan dengan aturan yang dilarang dalam Pasal
18 Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, karena
sebenarnya format baku tersebut hanya merupakan format pokok dari akta perjanjian
kredit bank, yang dalam perkembangan selanjutnya terhadap format ini masih
dimungkinkan adanya negosiasi dan dalam pembuatannya tidak ada paksaan.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Saputra, Stefanus Virdy Hans NIM05120090020 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Soerodjo, Irawan NIDN9907007043 UNSPECIFIED |
Additional Information: | T 56-13 SAP a |
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: | Phillips Iman Heri Wahyudi |
Date Deposited: | 17 Dec 2020 08:33 |
Last Modified: | 18 Oct 2021 04:15 |
URI: | http://repository.uph.edu/id/eprint/13357 |