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Volume 07 Issue 03 March 2024

Prudential Principles by Banks in Granting Credit Based on Notarial Cover Notes
1Ida Ayu Cintiya Kencana Dewi, 2Johannes Ibrahim Kosasih, 3Ni Komang Arini Styawati
1Post graduate program of Law Science, University of Warmadewa, Bali, Indonesia
2,3Lecture of Law Science program, University of Warmadewa, Bali, Indonesia
DOI : https://doi.org/10.47191/ijmra/v7-i03-53

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ABSTRACT:

Banking institutions the financial institutions that have a function as a financial intermediary. Banks serve financial necessity and introduce deposit system mechanisms for all economic sectors. This research examines the prudence principles by banks for granting credit based on notary cover notes. This research is normative legal research that is intended to examine the quality and norms of the law itself. By conducting normative method research and interviews using a purposive sampling system, the results of this thesis research will be obtained.

KEYWORDS:

Banking, Cover Notes, Prudential Principle

REFERENCES
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2) Arikunto, S. (2006). Prosedur Penelitian Suatu Pendekatan Praktik. Rineka Cipta.

3) Bire, B. I. (2023). Pertanggungjawaban Notaris Atas Covernote Yang Dikeluarkan Yang Menjadi Suatu Dasar Kepercayaan Suatu Bank Dalam Perjanjian Kredit. Jurnal Hukum Online, 1(1), 157–171. https://jurnalhukumonline.com/index.php/JHO/article/view/31

4) Darmawan, I. P. G. (2013). Perlindungan Hukum Terhadap Bank Atas Hapusnya Hak Milik Tanah Yang Dibebani Hak Tanggungan. Universitas Warmadewa.

5) Fauziana, A., & Apriani, R. (2021). Penerapan Manajemen Risiko Dalam Pemberian Kredit Dengan Jaminan Sertifikat Pendidik Di Masa Pandemi Covid-19. Repertorium, 10(1). https://doi.org/http://dx.doi.org/10.28946/rpt.v10i1.1091

6) Gandapradja, P. (2004). Dasar dan Prinsip Pengawasan Bank. PT Gramedia Pustaka Utama.

7) Hermansyah. (2005). Hukum Perbankan Nasional Indonesia. Kencana Prenada Media Group.

8) Johannes Ibrahim Kosasih. (2024). Cross Default dan Cross Colateral Sebagai Upaya Penyelesaiaan Kredit Bermasalah. Aditama.

9) Kadir, R., Patittingi, F., Said, N., & Arisaputra, M. I. (2019). Pertanggungjawaban Notaris Pada Penerbitan Covernote. Mimbar Hukum, 31(2). https://doi.org/https://doi.org/10.22146/jmh.35274

10) Marzuki, P. M. (2016). Penelitian Hukum (Edisi Revi). Kencana Perdana Media Group.

11) Simamora, M., Siregar, S. A., & Nasution, M. Y. (2022). Penerapan Prinsip Kehati-Hatian Dalam Penyaluran Kredit Pada Lembaga Keuangan Perbankan. Jurnal Retentum, 4(1). https://doi.org/http://dx.doi.org/10.46930/retentum.v4i1.1341

12) Simatupang, E. S. D. B., S, S., Siregar, M., & Barus, U. M. (2021). Independensi Penentuan Jumlah Nilai Agunan dalam Perjanjian Kredit yang Dilakukan oleh Appraisal Bank. Jurnal Ilmu Hukum REUSAM, 9(1). https://doi.org/https://doi.org/10.29103/reusam.v9i1.4183

13) Usman, R. (2001). Aspek-aspek hukum perbankan di Indonesia. Gramedia Pustaka Utama.
Volume 07 Issue 03 March 2024

There is an Open Access article, distributed under the term of the Creative Commons Attribution – Non Commercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting and building upon the work for non-commercial use, provided the original work is properly cited.


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