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All Journal Gema Wiralodra JIIP (Jurnal Ilmiah Ilmu Pendidikan) Jurnal Ragam Pengabdian
Siti Malikhatun Badriyah
Universitas Diponegoro, Indonesia
Humanities Education Environmental Science Mathematics Social Sciences Other

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Kedudukan Hukum terhadap Covernote Notaris dalam Pencairan Kredit Anisa Nurrachmasari; Siti Malikhatun Badriyah
JIIP - Jurnal Ilmiah Ilmu Pendidikan Vol. 6 No. 8 (2023): JIIP (Jurnal Ilmiah Ilmu Pendidikan)
Publisher : STKIP Yapis Dompu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54371/jiip.v6i8.2291

Abstract

Proses peminjaman kredit sampai pada proses pencairan kredit yang akta perjanjiannya dibuat di hadapan Notaris pada tahap pencairan, Bank membutuhkan Covernote untuk memberikan keterangan masih dalam proses. Covernote yang dimaksud merupakan surat keterangan yang dikeluarkan oleh notaris sebagai syarat formil pencairan kredit apabila debitur belum memenuhi persyaratan utuh seperti halnya terkait dengan lamanya proses terkait jaminan yang belum dilakukan pengecekan keabsahannya atau tidak tertutup kemungkinan dalam hal pemberian kredit oleh Bank. Penelitian ini menggunakan metode pendekatan yuridis empiris, yaitu pendekatan dengan mengkaji peraturan perundang-undangan yang berkaitan dengan permasalahan yang akan dibahas, dan juga dilakukan pendekatan lapangan untuk memperoleh informasi sebagai bahan penunjang. Kedudukan Covernote dalam praktek notaris yaitu hanya mengikat secara moral yang muncul atas dasar kebutuhan dan praktek, hanya mengikat notaris apabila notaris tersebut tidak menyangkal tandatangannya. Cover note tidak memiliki kedudukan hukum dalam Undang-Undang Jabatan Notaris. Kekuatan hukum Covernote sebagai produk hukum notaris tidaklah memiliki kekuatan hukum apapun, karena Covernote bukan akta autentik dan juga bukan akta dibawah tangan, melainkan hanya surat biasa yang hanya menjelaskan kesanggupan atau pernyataan Notaris untuk menerangkan bahwa hal yang Notaris kerjakan masih belum selesai atau masih dalam proses penyelesaian.
Problem Teoretis Dualisme Penguasaan dan Kepemilikan dalam Jaminan Fidusia: Kritik terhadap Konstruksi Transfer of Ownership Secara Fidusia Syafira Putri Ayu Dewantari; Siti Malikhatun Badriyah
Jurnal Ragam Pengabdian Vol. 3 No. 1 (Spesial Issue) (2026): "Dharma Samudera"
Publisher : Lembaga Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/zw35k218

Abstract

This article examines the theoretical inconsistency embedded in the construction of fiduciary security under Indonesian law, particularly the tension between juridical ownership and factual possession arising from the doctrine of transfer of ownership by way of fiduciary. The study addresses the question of whether fiduciary transfer genuinely creates proprietary rights or merely functions as a legal fiction to secure debt performance. The research is doctrinal and non-empirical, relying on statutory analysis of the Fiduciary Security Law, related bankruptcy regulations, and constitutional jurisprudence, supported by doctrinal literature and comparative insights from modern secured transactions regimes. Legal materials were collected through document-based research and analyzed using systematic, teleological, and conceptual interpretation combined with coherence-based normative evaluation. The findings demonstrate that fiduciary ownership in Indonesian law does not operate as absolute proprietary control, since risk allocation, execution constraints, third-party protection, and constitutional limitations all indicate that the debtor retains substantive economic ownership. This structural dualism reveals that fiduciary transfer of ownership functions primarily as an instrumental legal device rather than a true conveyance of title. The study concludes that fiduciary security should be reconceptualized as a sui generis security right grounded in priority and value protection rather than formal ownership transfer. Such a reconstruction would enhance doctrinal coherence, improve legal certainty, and align Indonesian security law with contemporary global secured transactions principles.
Contradiction of Waiver Clauses Articles 1266 and 1267 of the Civil Code in Standard Contracts Ratih Latifa; Siti Malikhatun Badriyah
Gema Wiralodra Vol. 14 No. 3 (2023): Gema Wiralodra
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/gw.v14i3.417

Abstract

In a standard contract, one party can waive Articles 1266 and 1267 of the Civil Code. As a result, one of the parties will default or not fulfill the terms of the agreement, preventing the need for the deal to be annulled by a court and instead allowing it to be terminated by the parties themselves. However, in this case, there is a contradiction in the overriding clause of the article. In this research, we conducted a case study of rejecting overriding this clause in credit card agreements. The research results show that this article should not be excluded because it will result in reduced protection for both parties, and there is a need to balance the positions of both parties by upholding the principles of justice.
Determination of child guardianship as a requirement for taking guarantee of property rights certificates Ananda Farhan Nizzar; Siti Malikhatun Badriyah
Gema Wiralodra Vol. 14 No. 2 (2023): gema wiralodra
Publisher : Universitas Wiralodra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/gw.v14i2.418

Abstract

The purpose of this study is to identify, describe, and analyze the reasons why banks require the establishment of child guardianship as a requirement for taking ownership certificates. In addition, this study also aims to identify the factors and legal consequences of the guardianship arrangement, as well as how the trusteeship process ends. The research method used is a normative legal approach with a juridical-philosophical approach. The data used in this study were obtained from primary and secondary legal materials through library research. The data analysis technique used is descriptive analysis technique. The results of this study reveal that banks require the establishment of guardianship as a requirement because it is used as authentic evidence of the existence of legal guardianship by the authorities. Notary can act as a representative for minors who are represented by parents who are still alive. This applies especially when the parent who took the loan from the bank has passed away, but it is necessary to have a guardian to take the collateral for the certificate of ownership whose installments have been paid to the bank. This step is also necessary for future destinations on a certain date as well as related parties involved in it. The importance of the guardianship deed through a notary in the family is the basis for consideration, considering that the bank cannot provide collateral if the conditions included in taking the guarantee are not fulfilled. This includes cases where deceased creditors still have minor children. Although the law states that biological parents who are still alive have the authority to arrange the deed of sale and purchase of land rights for children who have lost one of their parents, in the context of banking, the existence of a trusteeship is recognized as an important step in ensuring the completeness of the collateral collection documents.
Co-Authors Ananda Farhan Nizzar Anisa Nurrachmasari Ratih Latifa Syafira Putri Ayu Dewantari