COVERNOTE'S STANDING IN ELIGIBILITY ON CREDIT AGREEMENTS IN BANKING

I Kadek Hery Cahyadi; Ramlan Ramlan; Muhammad Arifin

doi:10.31941/pj.v22i1.4615

Authors

I Kadek Hery Cahyadi Universitas Muhamamdiyah Sumatera Utara
Ramlan Ramlan Universitas Muhamamdiyah Sumatera Utara
Muhammad Arifin Universitas Muhamamdiyah Sumatera Utara

DOI:

https://doi.org/10.31941/pj.v22i1.4615

Abstract

Credit agreements signed by creditors and debtors by providing collateral in the form of certificates are generally bound by a notarial deed, whether made authentically or privately. The credit agreement will then be processed to encumber the rights to the collateral. Before the imposition process is completed, it is customary for the Notary-PPAT to create and publish a covernote so that the bank is confident in disbursing credit to the debtor. The aim of this research is to determine the position of covernotes in fulfilling the requirements of credit agreements in banking. This research uses normative research methods. Normative legal research is research conducted or aimed at written regulations because the research is carried out based on statutory regulations, namely the relationship between one regulation and another and its relationship to its application in practice. The research results show that the position of the covernote issued by the Notary-PPAT to fulfill the requirements of the credit agreement at the bank is only limited to being a certificate, to explain that a credit agreement has been agreed and signed by providing a guarantee. However, the covernote is not an object of collateral or guarantee, the covernote is only a certificate that can be used as temporary collateral as a guide for the bank to issue credit to the debtor.

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