Digital Transformation of Mortgage Rights: Juridical Implications for Creditor Protection

Yuniar Prehatini

Sari


The development of digital technology has brought about a revolution in various aspects of life, including in the legal and land administration systems in Indonesia. This study examines the dynamics of the digital transformation of mortgage rights through the implementation of an electronic system (HT-el) initiated by the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (ATR/BPN). Using a normative legal method, the study explores the legal implications of this digital transformation on the legal protection of creditors. The results indicate that HT-el not only accelerates and simplifies the registration process for mortgage rights but also enhances transparency, accountability, and legal certainty for all parties involved. However, this digitalization is also accompanied by challenges such as data entry errors, human resource readiness, and electronic data security, which require further attention. Furthermore, the executory power inherent in electronic certificates provides creditors with an effective legal protection mechanism without having to go through lengthy court proceedings in the event of default. This study recommends strengthening regulations, intensive socialization, and improving technological capacity so that the digital transformation of mortgage rights can run optimally and provide maximum protection for creditors. This study is expected to serve as an important reference for policymakers and legal practitioners in addressing the digitalization of the land collateral system in Indonesia.


Kata Kunci


Electronic Liens; Digital Transformation; Creditor Protection; Land Administration; Legal Certainty

Teks Lengkap:

PDF (English)

Referensi


Adinegoro, Kurnia Rheza Randy. “Analisis Transformasi Digital Layanan Publik Pertanahan : Hak Tanggungan Elektronik Pada Kementerian Agraria Dan Tata Ruang.†Jurnal Administrasi Publik 19, no. 1 (2023): 26–49. https://doi.org/10.52316/jap.v19i1.135.

Auxiliadora, Ivonia, Freitas Marcal, Yosse Putra Oentoro, and Muhammad Yasin. “Pertumbuhan Ekonomi Sebagai Cerminan Perkembangan Perekonomian Suatu Negara†2, no. 3 (2024): 40–47.

Belay, Bimrew Sendekie. “No Title×”×›×™ קשה לר×ות ×ת מה שב×מת ×œ× ×’×“ ×”×¢×™× ×™×.†ה×רץ 5, no. 8.5.2017 (2022): 2003–5.

Buditama, Fitriya Nurmayuvita, Indah Wahyuni Olii, and Theanya Putri Azizah. “Batasan Pertanggungjawaban Ppat Terhadap Ketidakabsahan Dokumen Kelengkapan Persyaratan Dalam Sistem Hak Tanggungan Elektronik (Ht-El).†Jurnal Hukum Caraka Justitia 4, no. 1 (2024): 31–50. https://doi.org/10.30588/jhcj.v4i1.1839.

Chandera Halim, and Vincentius Patria Setyawan. “Legal Protection for Creditors in Increasing Satisfaction in Credit Agreements with Liens as Collateral.†Santhet (Jurnal Sejarah Pendidikan Dan Humaniora) 8, no. 2 (2024): 2028–37. https://doi.org/10.36526/santhet.v8i2.4547.

Danuri, Muhamad. “Perkembangan Dan Transformasi Teknologi Digital.†Jurnal Ilmiah Infokam 15, no. 2 (2019). https://doi.org/10.53845/infokam.v15i2.178.

Djakatara, Vanny, Hasbir Paserangi, and Sri Susyanti Nur. “Implementasi Pendaftaran Hak Tanggungan Secara Elektronik.†Amsir Law Journal 4, no. 2 (2023): 183–93. https://doi.org/10.36746/alj.v4i2.184.

Dr. H. Imron Rosyadi, S.H., M.H. Jaminan Kebendaan Berdasarkan Akad Syariah. Kencana, 2017.

Febriani Wardojo, Mellysa. “Legal Standing†2, no. 1 (2018): 242–55.

“Hukum Perikatan.†Hukum Online.com, n.d.

Imanda, Nadia. “Lahirnya Hak Tanggungan Menurut Peraturan Pemerintah Agraria Tentang Pelayanan Hak Tanggungan Terintegrasi Secara Elektronik.†Notaire 3, no. 1 (2020): 151. https://doi.org/10.20473/ntr.v3i1.17536.

Manurung, Abdul Azis. “Peran Digitalisasi Birokrasi Dalam Agraria Terkait Hak Tanggungan Elektronik.†INNOVATIVE: Journal Of Social Science Research 3, no. 3 (2023): 801–8.

“Menteri ATR/BPN: Selamat Tinggal HT Konvensional, Selamat Datang HT-Elektronik.†sinarpagibaru.id, n.d.

Moch. Isnaini, H. Pengantar Hukum Jaminan Kebendaan. Laksbang Pressindo : Yokyakarta., 2016, n.d.

Oktamiarsa, Salsabila Biuti, and Fitika Andraini. “Rewang Rencang : Jurnal Hukum Lex Generalis. Vol.5. No.8 (2024) Tema/Edisi : Hukum Perdata (Bulan Ketujuh) Https://Jhlg.Rewangrencang.Com/†5, no. 8 (2024): 1–18.

Pamela, Oleh, Cleopatra Sajow, Tommy F Sumakul, and Friend H Anis. “1 2 3 4†X, no. 1 (2022): 172–82.

Sagari, Damar, and Mujiati Mujiati. “Efektivitas Layanan Hak Tanggungan Terintegrasi Secara Elektronik Di Kantor Pertanahan Kabupaten Klaten.†Tunas Agraria 5, no. 1 (2022): 33–46. https://doi.org/10.31292/jta.v5i1.166.

Santi Dewi, IGA Gangga, and Mira Novana Ardani. “Kebijakan Penjaminan Tanah Melalui Hak Tanggungan Di Indonesia (Studi Penjaminan Hak Tanggungan Elektronik Di Kabupaten Badung Provinsi Bali).†Law, Development and Justice Review 3, no. 1 (2020): 57–69. https://doi.org/10.14710/ldjr.v3i1.7835.

Semarang), Yuni Andaryanti (Universitas Islam Sultan Agung. “Rekontruksi Regulasi Perlindungan Hukum Terhadap Kreditor Dalam Perjanjian Kredit Dengan Jaminan Hak Tanggungan Yang Berbasis Nilai Keadilan,†2025.

Shipton, Parker. “Land & the Mortgage,†n.d.

Wiguna, I Wayan Jody Bagus. “Tinjauan Yuridis Terkait Pendaftaran Hak Tanggungan Secara Elektronik.†Acta Comitas 5, no. 1 (2020): 79. https://doi.org/10.24843/ac.2020.v05.i01.p07.

Wulan, Caesar, and Tri Kurniawati. “Pendaftaran Hak Tanggungan Secara Elektronik.†INNOVATIVE: Journal Of Social Science Research 4 (2024): 6597–6612.




DOI: http://dx.doi.org/10.56444/jidh.v9i2.5590

Refbacks

  • Saat ini tidak ada refbacks.




Jurnal Ilmiah Dunia Hukum indexed at:

Member of:

Visitors:

Tandai Penghitung

Mainkan slot online di STM88 untuk peluang menang lebih tinggi dan hadiah luar biasa! Dengan RTP terbaik, kemenangan besar sudah menunggu.