Alfitri, Indah Nisa (2025) Kepastian Hukum Covernote Dalam Pencairan Dana Debitur Di Bank. Other thesis, Universitas Islam Riau.

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Abstract

Credit agreement is one of legal action which usually do in the banking world between debtors and creditors. Before they want to do some things which relating with credit agreement, they must to make some requirements for dealing of it each other. Beside of that, both of them have the existence of parties cetainly for serving its agreement, that’s about public notary. Main problem this research is about hesitation for legal cetainly of covernote which is making for additional to make information that object of liability has been proceed in documentary step, but unfortunately it couldn’t be executioned by creditors more. Because of that would be happened for debtor’s fund disbursement. Method for this research is application from normative law which has concentration kind of literatures supporting such as books, journals andreading sources form trusted source. Application of this research from qualitative approach where itsc concentration from many aspects, such as pehnomenons, researchs, events, socials, attitude of beliefs, and perceptions from individuals and group. For conclusion drawing method of this research to have deductive applied which about general things to be particular things for making conclusion. Result of this research for legal certainly of covernote processing disbursement of debitor’s fund in the bank still haven’t certainty of it because violation applying covernote in terms of practice. In hinder from its problem because negligence and lack of care public notarity in documenttary step debitor’s object of liability so that for this case wouldn’t be able to complete according to deadline which state on covernote. Negligence and lack of care from public notary to do responsibility are lack of education about covernote, lack of experience solving debitor’s object of liability document, and lack of engagement with clients for determining intention and purpose. Those are would be minimized within circumpection pricnciple and professinalism for doing obligaion. Checking and evaluating in admisstration steps would be prevented bad credit.

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