NOTARY LEGAL RESPONSIBILITIES ON ISSUANCE OF COVERNOTES IN CREDIT AGREEMENTS IN INDONESIA
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Abstract
Covernote is a certificate made and issued by a notary. In general, covernotes are used to obtain applications for credit agreement to a bank with guaranteed land ownership rights that have been tied with mortgage guarantees. In its development, the need for land rights guarantees can be suspended, if it is in the process of obtaining a certificate by a notary. However, in the event of misuse of the covernote creation and publication, the notary can be held liable in accordance with the applicable legal provisions. The legal basis for making and publishing a covernote by a notary has not yet been regulated in Undang-Undang Jabatan Notaris (UUJN), so that it can lead to legal consequences and a vacuum of legal norms occurs. The problem that often occurs is what is the legal responsibility of a notary towards the issuance of covernotes in credit agreements in Indonesia. The legal responsibility of a notary related to the issuance of a covernote is the imposition of sanctions, both legal and administrative sanctions. In addition, the legal consequence for a notary who fails to carry out a covernote is that the notary is required to immediately complete it, based on the agreement of both parties. Publishing and the making of covernotes by a Notary does not have a legal basis. This is because they are only based on a habit accepted by the community, so they are trusted and considered as a binding legal product. Notaries are authorized to issue covernotes because they are classified as a form of agreement that binds the parties, even though it is not regulated in the applicable laws and regulations. This is only regulated based on the legal terms of the agreement as contained in the provisions of Article 1320 Kitab Undang-Undang Hukum Perdata (KUH Perdata)
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