http://repository.unigal.ac.id:8080/handle/123456789/10 2026-08-28T05:58:16Z 2026-08-28T05:58:16Z HAMIDAH, IMA http://repository.unigal.ac.id:8080/handle/123456789/9207 2026-08-26T12:20:08Z 2026-08-24T00:00:00Z

ANALISIS HUKUM COVERNOTE NOTARIS SEBAGAI DASAR PENCAIRAN PEMBIAYAAN KREDIT PEMILIKAN RUMAH DIHUBUNGKAN DENGAN PASAL 15 AYAT 1 UNDANG-UNDANG NOMOR 2 TAHUN 2014 ATAS PERUBAHAN UNDANG-UNDANG NOMOR 30 TAHUN 2004 TENTANG JABATAN NOTARIS (Studi Kasus di PT Bank Tabungan Negara Cabang Tasikmalaya) HAMIDAH, IMA ABSTRACT This research is motivated by the practice of using a notary's cover note as the basis for disbursing Home Ownership Loan (KPR) financing at PT Bank Tabungan Negara (BTN), Tasikmalaya Branch. A cover note is a statement letter issued by a notary to explain that the process of finalizing documents or securing collateral is still underway. However, the existence of the cover note is not explicitly regulated in the Law on the Office of Notary, thereby raising issues regarding its legal force and the notary's liability in issuing it. Article 15 paragraph (1) of Law Number 2 of 2014 concerning the Office of Notary stipulates that a notary has the authority to draw up authentic deeds; conversely, a cover note is neither an authentic deed nor a legal product that falls expressly within a notary's authority. The research employs a descriptive-analytical method with a normative-juridical approach, supported by empirical data. Data collection techniques involved a literature review and fieldwork in the form of interviews with bank representatives and notaries. The research results indicate that the status and legal force of a cover note in the KPR disbursement process at PT Bank Tabungan Negara, Tasikmalaya Branch, are merely those of a statement letter or a private document (*surat di bawah tangan*) created by a notary to explain the status of collateral document finalization. As a cover note is not an authentic deed, it does not possess the conclusive evidentiary value associated with a notarial deed. The issuance of a cover note by a notary does not fall within the scope of authority stipulated in Article 15 paragraph (1) of the Law on the Office of Notary, as that authority pertains solely to the creation of authentic deeds. Rather, the cover note constitutes a form of administrative service that has evolved to meet the practical needs of the banking sector. From a legal standpoint, the use of a cover note as a basis for KPR disbursement lacks a firm legal foundation within the Law on the Office of Notary. Its existence relies merely on custom and a relationship of trust between the bank and the notary, and thus, it fails to provide optimal legal certainty for the parties involved. Obstacles regarding the use of cover notes include the absence of a clear legal basis, delays in finalizing collateral documentation, the risk of a bank losing its preferential rights due to the failure to register the *Hak Tanggungan* (security interest in land) in the event of loan default, and limited oversight regarding the issuance and use of cover notes. These obstacles indicate that the use of cover notes continues to pose legal risks for banks, debtors, and notaries alike. Keywords: Notary cover note, Home Ownership Loan, PT Bank Tabungan Negara, Notary authority, Legal certainty.

2026-08-24T00:00:00Z Arip Yan Purnomo, Agung http://repository.unigal.ac.id:8080/handle/123456789/9199 2026-08-26T04:14:36Z 2026-06-13T00:00:00Z

КЕРЕМIMPINAN KEPALA SEKOLAH DALAM MENERAPKAN MANAJEMEN BERBASIS SEKOLAH Arip Yan Purnomo, Agung Penelitian ini bertujuan untuk menganalisis kepemimpinan kepala sekolah dalam menerapkan Manajemen Berbasis Sekolah (MBS) di SMP Negeri 1 Majenang, SMP Negeri 3 Majenang, dan SMP Negeri 1 Cimanggu. Fokus penelitian meliputi proses kepemimpinan kepala sekolah dalam pelaksanaan MBS serta faktor pendukung dan penghambatnya.

2026-06-13T00:00:00Z Sari, Kamila http://repository.unigal.ac.id:8080/handle/123456789/9198 2026-08-26T03:38:24Z 2026-06-13T00:00:00Z

EVALUASI PENGELOLAAN MUSYAWARAH GURU MATA PELAJARAN (MGMP) BAHASA SUNDA Sari, Kamila Penelitian ini dilatarbelakangi bahwa peran penting Bahasa Sunda sebagai identitas budaya dan muatan lokal dalam sistem pendidikan di Jawa Barat. Namun, dalam praktiknya, pembelajaran Bahasa Sunda masih menghadapi berbagai tantangan, terutama dalam menjaga relevansi dan kualitas pembelajaran di tengah perkembangan zaman. Musyawarah Guru Mata Pelajaran (MGMP) sebagai wadah profesional guru memiliki peran strategis dalam meningkatkan kompetensi dan kinerja guru.

2026-06-13T00:00:00Z Darsinih http://repository.unigal.ac.id:8080/handle/123456789/9197 2026-08-26T03:12:14Z 2026-06-13T00:00:00Z

PENGELOLAAN PEMBELAJARAN BERBASIS PROYEK (PJBL) UNUTUK MENINGKATKAN PRESTASI BELAJAR PESERTA DIDIK Darsinih Penelitian ini bertujuan menganalisis pengelolaan Pembelajaran Berbasis Proyek (PjBL) dalam meningkatkan prestasi belajar peserta didik di empat Sekolah Dasar wilayah Korwil Pendidikan Kecamatan Rajadesa, Kabupaten Ciamis. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus, dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi dari kepala sekolah, guru, siswa, serta pengawas sekolah.

2026-06-13T00:00:00Z