The Implications of Electronic Mortgage Right's Implementation to Non-Bank Creditors

Benny Djaja, Shinta Jayanti Permatasari

Abstract


Since July 8th 2020, the Minister of ATR/ chief of BPN Regulation Number 5 of 2020 has been ratified regarding Electronic Mortgage Rights, including regulating the implementation of private (non-bank) electronic systems. The application of the electronic system requires that every process from the registration stage of new Mortgage, renewal, and roya be carried out electronically. The service subject of the electronic Mortgage system is creditors and PPAT. Creditors consist of individuals and legal entities, both banking and non-bank. The author discusses the problem of how the mechanism for registering mortgages and roya through an electronic system for non-bank creditors, and how PPAT's responsibility is in registering mortgages electronically. The purpose of this research is to find out and understand the mechanism for registering mortgages and roya on non-bank creditors and PPAT's responsibility in registering mortgages electronically. This study uses an empirical juridical approach, with the object of research namely the application of regulations at the Land Agency Office of Kubu Raya Regency, West Kalimantan Province and the experience of several PPATs. Based on the data and analysis, it can be concluded that the mechanism for registering land for creditor accounts begins with registering the Touch Tanahku application, then PPAT will carry out the process of making APHT with predetermined conditions. During the process of electronically registering Mortgage Rights, PPAT is responsible formally, but not materially

Keywords


Mortgage right; Electronic Mortgage Rights; Non-bank Creditors

Full Text:

PDF

References


Laws

Laws of the Republic of Indonesia concerning Mortgage Rights on Land and Objects Related to Land. Laws no. 4 of 1996. LN No. 42 of 1996, TLN No. 3632.

________.Regulation of the Minister of Agrarian Affairs and Spatial Planning/Head of the National Land Agency of the Republic of Indonesia concerning Electronically Integrated Mortgage Services. Regulation No. 5 of 2020. BNRI No. 349 Year 2020.

________Technical Instructions Number 2/Juknis-400.HR.02/IV/2020 concerning Electronically Integrated Mortgage Services.

Article

Adjie, H. (2018). Hak Tanggungan Sebagai Lembaga Jaminan Atas Tanah. Bandung: CV. Mandar Maju.

Adi Jatmika. Legal Vacancies In The Transfer Of Rights To Class Iii State Houses In The Form Of Flats. Activa Yuris: Jurnal Hukum, Vol. 1 No. 1 2021.

Arrizal, Nizam Zakka and Siska Diana Sari. Legal Dynamics Of Notary Public Appointment In Indonesia. Proceeding of 1st International Conference on Law Studies “Law Policy on Transnational Issues” download at https://conference.upnvj.ac.id/index.php/icols/article/view/1483

Bainbridge, David I. (2003). Computer and The Law. Diterjemahkan oleh Prasadi T. Susmaatmadja, Hukum dan Komputer. Jakarta: Sinar Grafika.

Dewi, I. G. S. (2012). Teori dan Praktek Hak Tanggungan. Semarang: LPPM Undip.

Djaja, B. (2020). Individual Mortgagees as A Solution for Real Estate Property Developers. Atlantis Press, Vol. 478.

Gunarta, I M. D., dkk. (2020). Persepsi Kreditur dan PPAT Terhadap Kualitas Layanan Hak Tanggungan Terintegrasi Secara Elektronik. Sekolah Tinggi Pertanahan Nasional, Jurnal Tunas Agraria, Vol 3 No. 3.

Imanda, N. (2020). Lahirnya Hak Tanggungan Menurut Peraturan Pemerintah Agraria Tentang Pelayanan Hak Tanggungan Terintegrasi Secara Elektronik. Jurnal Hukum Kenotariatan Notaire, Vol. 3 No. 1.

Mardani. (2009). Bunga Rampai Hukum Aktual, Ghalia, Bogor.

Muhammad, A. (2004). Hukum dan Penelitian Hukum. Bandung: Citra Aditya Bakti.

Nurwulan. (2021). Implementasi Pelayanan Hak Tanggungan Elektronik Bagi Kreditor dan Pejabat Pembuat Akta Tanah. Vol. 28 Issue I.

Salim, HS. (2017). Perkembangan Hukum Jaminan. Jakarta: PT. RajaGrafindo Persada.

Setiawan, I Ketut Oka. (2019). Hukum Pendaftaran Tanah dan Hak Tanggungan. Jakarta: Sinar Grafika.

Usman, Rachmadi. (2016). Hukum Jaminan Keperdataan. Jakarta: Sinar Grafika.

Wiguna, I W. J. B. (2020). Tinjauan Yuridis Terkait Pendaftaran Hak Tanggungan Secara Elektronik. Acta Comitas Jurnal Hukum Kenotariatan, Vol 05 No. 01.


Article Metrics

Abstract has been read : 171 times
PDF file viewed/downloaded: 0 times


DOI: http://doi.org/10.25273/ay.v2i1.12047

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Benny Djaja, Shinta Jayanti Permatasari

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Activa Yuris Stats

Office:
Program Studi Hukum, Fakultas Hukum, Universitas PGRI Madiun

Jl. Setiabudi No. 85 Kota Madiun 63118
email : activayuris@unipma.ac.id