<![CDATA[Banking is one of the financial institutions with one of its business activities, namely channeling credit to its customers. In the procurement of credit in banks, several problems can be found, one of them is the case of fictitious credit that has dragged Notary / PPAT. Notary / PPAT as an authorized public official to make authentic deeds where in the administration of credit at the Bank, the Notary makes a Deed of Credit Agreement and / or Power of Attorney Encumbering Mortgage Rights (SKMHT) and the Land Deed Official (PPAT) makes a Deed of Encumbrance of Mortgage Rights (APHT). The fundamental issue that will be discussed by the author is how the Notary / PPAT's responsibility for fictitious credit at the Bank. The research method used is normative research with references sourced from books, literature, laws and regulations, journals, and internet. The result of the author's research is that the cause of fictitious credit cases are caused by several factors, and the author's focus is on the factor of falsification and misuse of identity by the debtor and internal parties from the bank by using data from other customers to bind credit and issuing covernotes by Notary / PPAT that are different from the facts that occur. For this case, the author examines how the responsibility of the Notary / PPAT in fictitious credit for the authentic deed issued and the protection of bank customers who are harmed.]]>
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