Kedudukan covernote dalam perjanjian jaminan hak tanggungan

Tabitha, Jeane (2024) Kedudukan covernote dalam perjanjian jaminan hak tanggungan. Masters thesis, Universitas Pelita Harapan.

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Abstract

This article discusses the role of covernotes in the collateral system of mortgage rights and their relevance in upholding the principle of legal certainty. A covernote, as a temporary document issued by a financial institution or bank, serves as evidence of an agreement between the debtor and creditor before the official mortgage deed is registered. Although it does not have the same legal force as a registered mortgage deed, the covernote plays an important role in providing temporary protection for the creditor in collateralized financing transactions. The main challenge lies in how the covernote can ensure legal certainty, especially in terms of protecting the rights of third parties and securing the object of the collateral. This article analyzes how the principle of legal certainty in Indonesia's collateral law can be reinforced through clearer regulation regarding the legal status of covernotes, taking into account the need for transparency and caution in the transfer of collateral rights. The legal method used is applied law research. From the analysis, it is concluded that while the covernote serves a practical function in expediting the financing process, there is still a need for clearer regulations regarding its legal status to provide stronger legal certainty for all parties involved in the collateral agreement, and to avoid potential disputes in the future. / Artikel ini membahas kedudukan covernote dalam sistem jaminan hak tanggungan di Indonesia serta relevansinya dalam memperkuat asas kepastian hukum. Covernote adalah dokumen sementara yang diterbitkan oleh lembaga keuangan atau bank sebagai bukti kesepakatan antara debitur dan kreditur sebelum akta hak tanggungan resmi didaftarkan. Meskipun tidak memiliki kekuatan hukum yang setara dengan akta hak tanggungan yang terdaftar, covernote memiliki peran penting dalam memberikan perlindungan sementara bagi kreditur dalam transaksi pembiayaan yang menggunakan agunan. Tantangan utamanya adalah bagaimana covernote dapat menjamin kepastian, terutama dalam melindungi hak pihak ketiga dan mengamankan objek agunan. Artikel ini menganalisis bagaimana asas kepastian hukum dalam hukum agunan Indonesia dapat diperkuat melalui pengaturan yang lebih jelas mengenai status hukum covernote, dengan mempertimbangkan kebutuhan akan transparansi dan kehati-hatian dalam pengalihan hak agunan. Metode penelitian yang digunakan adalah metode penelitian hukum normatif-empiris. Dari hasil analisis, disimpulkan bahwa meskipun covernote memiliki peran praktis dalam mempermudah proses pembiayaan, namun diperlukan pengaturan yang lebih jelas terkait status hukumnya untuk memberikan kepastian hukum yang lebih kuat bagi semua pihak yang terlibat dalam perjanjian agunan dan menghindari potensi sengketa di masa depan.
Item Type: Thesis (Masters)
Creators:
Creators
NIM
Email
ORCID
Tabitha, Jeane
NIM01656220115
01656220115@student.uph.edu
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Tukgali, Lieke Lianadevi
NIDN8826150017
UNSPECIFIED
Uncontrolled Keywords: Collateral Agreement ; Legal Certainty ; Covernote ; Notary
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: Jeane Grace Tabitha
Date Deposited: 21 Jan 2025 06:20
Last Modified: 21 Jan 2025 06:20
URI: http://repository.uph.edu/id/eprint/66574

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