COVERNOTE NOTARIS DALAM PERJANJIAN KREDIT DALAM PERSPEKTIF HUKUM JAMINAN

ABSTRAK Penggunaan covernote notaris dalam perjanjian kredit dapat menyebabkan kerugian bank manakala terjadi wanprestasi sedangkan proses pengikatan hak tanggungan belum selesai. Penelitian ini membahas mengenai penggunaan covernote notaris dalam perjanjian kredit serta perlindungan hukum bagi bank ditinjau berdasarkan hukum jaminan. Penelitian ini merupakan yuridis normatif dengan spesifikasi penelitian deskriptif analalitis. Analisa data dilaksanakan dengan metode normatif kualitatif. Hasil penelitian menunjukkan bahwa: pertama, penggunaan covernote notaris dalam perjanjian kredit dimungkinkan menurut hukum jaminan di Indonesia, namun demikian notaris dan bank tetap harus berhati-hati dan saksama dalam meneliti kebenaran dan keabsahan dokumen obyek jaminan. Kedua, perlindungan hukum bagi bank dalam perjanjian kredit terkait penggunaan covernote notaris dalam hal terjadinya wanprestasi sebelum terbitnya hak tanggungan memberikan kedudukan bank hanya sebagai kreditur konkuren. Perlindungan hukum bagi bank didasarkan Pasal 1131 dan 1132 KUH Perdata. Kata kunci: bank, covernote, jaminan, kredit, perlindungan.   ABSTRACT Use of covernote notary in the credit agreement can lead to bank losses when the event of default, while the binding process of mortgage unfinished. This study discusses the use of covernote notary in the credit agreement and legal protection for bank guarantees in terms of law. This research is a normative juridical analalitis descriptive specification. The data analysis is carried out with qualitative normative method. The results showed that: first, the use of covernote notary in the credit agreement is possible according to the law guarantees in Indonesia, however notaries and banks still need to be careful and thorough in researching the truth and validity of the guarantee document object. Secondly, legal protection for banks in the credit agreements related to the use covernote notary in the case of a default prior to the issuance of mortgage give the position of the bank just as unsecured creditors. Legal protection for banks based Article 1131 and 1132 of the Civil Code. Keywords: bank, covernote, collateral, credit, protection