Notary's Authority to Make Covernotes in Agreements at Banking Institutions

Arief Hendra Lukmana, Anis Mashdurohatun

Abstract


This study aims to analyze: 1) The implementation of notary authority to make covernotes in agreements in banking institutions, namely in Law Number 10 of 1998 concerning Banking and Law Number 2 of 2014 Amendments to Law Number 30 of 2004 concerning the Position of Notary, there is not a single article that regulates the authority of notaries to make Covernotes which are generally used by banks. This authority can be understood as part of the notary's function in providing legal services and assisting in the administrative process related to documents that require further approval. Covernotes only apply as a statement from the notary or as an official who makes the Covernote which explains that a credit or guarantee has been binding. Although there are no regulations governing the authority of notaries in making covernotes, the making of covernotes must be carried out with full responsibility and comply with all applicable legal provisions. Based on the decision of the Jember District Court Number 82/Pdt.G/2022/PN Jmr, the Covernote made by the notary was canceled by the judge because it caused losses to the plaintiff. 2) The legal consequences of carrying out the notary's duties in making covernotes related to agreements at banking institutions are that if the covernote is proven to contain inaccurate information or is issued without following the correct procedures, the court can cancel the covernote. This cancellation means that the covernote is considered to have no legal force and cannot be used as a basis for further action. In the case of Decision Number 82/Pdt.G/2022/PN Jmr, the court canceled the covernote because it did not comply with legal provisions. In addition, the canceled covernote also has legal consequences for the notary, in the form of compensation fines and administrative sanctions.

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References


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