Kekuatan Hukum Covernote Melalui Pemberian Kredit Bank dengan Jaminan Hak Tanggungan Apabila Terjadi Kredit Macet

Abstract

The use of covernote Notary / PPAT is commonly used in the practice of granting loans given by banks to debtors. Covernote is not an authentic deed, so that in the event of a bad credit the bank becomes difficult to execute the guarantee. The problem that occurs is whether covernote can provide legal protection for the bank in the event of bad credit? and what is the legal strength of covernote in the event of bad credit but the authentic Deed has not been issued and the insurance has not yet been installed? This study moved from normative legal research to the norm of emptiness because in the Act of Notary Position, Banking Law, Underwriting Law and Government Regulation on PPAT did not regulate the existence of covernote. The results of the study can be seen that the vacuum of norms due to the existence of covernote resulted in covernote not being able to provide a legal protection in the event of bad credit. The legal strength of covernote in the event of bad credit does not have the power of executorial law, this is because covernote is not a notary / PPAT legal product stipulated in the relevant laws and regulations

Penggunaan covernote Notaris/PPAT umum diperguakan saat memberikan kredit yang diberikan dari kreditur kepada debitur. Covernote bukanlah akta otentik, sehingga apabila terjadi kredit macet pihak bank menjadi mengalami kesulitan untuk melakukan eksekusi jaminan. Permasalahan yang terjadi yaitu apakah covernote  bisa memberikan perlindungan hukum untuk bank jika terjadi kredit macet? dan Bagaimanakah kekuatan hukum covernote apabila terjadi kredit macet namun Akta otentik belum diterbitkan dan jaminn belum terpasang hak tanggungan? Penelitian ini beranjak dari penelitian hukum normatif kekosongan norma karena dalam Undang-Undang Jabatan Notaris, Undang-Undang Perbankan, Undang-Undang Hak Tanggungan maupun Peraturan Pemerintah tentang PPAT tidak mengatur menegnai keberadaan covernote. Hasil peneitian dapat diketahui bahwa Kekosongan norma terkat keberadaan covernote mengakibatkan covernote tidak dapat memberikan suatu perlindungan hukum apabila terjadi kredit macet. Kekuatan hukum covernote apabila terjadi kredit macet tidaklah memiliki kekuatan hukum eksekutorial, hal ini disebabkan karena covernote bukanlah produk hukum notaris/PPAT sebagaimana tercantum pada perundan-undangan terkait.