Abstract

Objective: This study aims to analyze the legal standing of cooperation agreements between Notaries/Land Deed Officials (PPAT) and Bank Mandiri (Cakranegara Branch, Mataram) in the distribution of Micro-Business Loans. Specifically, the research examines the legal consequences of such agreements from the perspective of the Law on Notary Positions (UUJN) and the Notarial Code of Ethics. 
Method: This research employs a normative legal research method, utilizing both a statutory approach and a conceptual approach. Data were collected through literature studies and analyzed qualitatively to obtain a comprehensive overview of legal compliance among the parties involved. 
Results: The findings indicate that cooperation agreements between Notaries/PPAT and banking institutions create a contractual relationship that potentially undermines the principle of notary independence as mandated by Article 16, paragraph (1), letter a of the UUJN. This partnership model suggests self-promotion efforts, which are strictly prohibited under Article 4, point 3 of the Notarial Code of Ethics. While the involvement of Notaries/PPAT administratively ensures the legal certainty of loan documents, ethically, this cooperation pattern is vulnerable to abuse of authority and compromises the independence of public office for the sake of banking business interests.