The Legal Position of Notary Covernote on Credit Agreement When Bad Credit Occurs

The purpose of this study is to analyze: 1) legal position a notary covernote in credit agreement the event bad at Bank Rakyat Indonesia Pangkal Pinang. 2). process settling loans based on approach method used an empirical juridical approach. research specification descriptive analytical research. This type data uses primary and secondary with library interview collection methods. analysis analysis. results concluded: Pinang that as basis for disbursement. Notary covernotes should not be disbursement, because basically are only temporary guarantees. A made by usually statement certification still ongoing. Covernote does have umbrella it regulated laws regulations, both Banking Law UUJN, so consequences will then caused existence apply provisions criminally civilly. completed through litigation/lawsuits court. G was proven committed criminal act corruption together detrimental state. In decision Court, they must responsible fined. use prohibited possible under Mortgage Law. non-performing before issuance mortgage rights, bank serves concurrent creditor. Legal protection banks Articles 1131 1132 Civil Code.