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Consumer Protection Challenges in In-House Installment Agreements within The Real Estate Sector Arya Sandi Yudha Libert; Yenny Eta Widyanti; Herlindah Herlindah
IBLAM LAW REVIEW Vol. 6 No. 2 (2026): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v6i2.675

Abstract

house installment schemes within Indonesia’s real estate sector. In-house financing, managed directly by developers without financial institution supervision, creates structural risks due to unequal bargaining power, weak regulatory oversight, and the absence of safeguards for consumer funds. The research aims to examine legal gaps in the current housing and consumer protection framework and to formulate a preventive regulatory model. Using normative legal research with a comparative approach, this study evaluates Indonesian regulations and compares them with India’s Real Estate Regulation and Development Act 2016. The findings indicate that the absence of mandatory fund segregation exposes consumers to significant risks of project failure and fund diversion. The study concludes that Indonesia should adopt a mandatory escrow account mechanism, similar to India’s model, requiring a substantial portion of consumer funds to be deposited in a supervised account and released based on verified construction progress. Such reform would strengthen accountability, transparency, and consumer protection.
Reformulation of Law Enforcement for the Transfer of LP2B Functions Based on a Community Empowerment Participation Model Rani Nurin Anjes Shinesti; Rachmad Syafa'at; Herlindah Herlindah
INTERNATIONAL JOURNAL ON LANGUAGE, RESEARCH AND EDUCATION STUDIES Vol 10, No 1 (2026): International Journal on Language, Research (Law) Education Studies
Publisher : State Islamic University of North Sumatra Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47006/ijlres.v10i1.29801

Abstract

Perlindungan Lahan Pertanian Pangan Berkelanjutan (LP2B) menghadapi tantangan signifikan akibat perluasan pariwisata komersial, seperti konversi lahan ilegal menjadi objek wisata di Desa Pandesari, Kabupaten Malang. Studi sosial-hukum ini, dengan menggunakan pendekatan sosiologis-hukum, bertujuan untuk menganalisis efektivitas penegakan hukum, implikasi yang ditimbulkannya, dan merumuskan model ideal untuk penegakan hukum di masa mendatang. Temuan penelitian menunjukkan bahwa penegakan hukum administratif terhenti pada tahap peringatan tertulis, sementara jalur peradilan pidana lumpuh total karena tidak aktifnya Unit Khusus Kepolisian Nasional (PPNS). Implikasi hukum dari konversi penggunaan lahan ini mengakibatkan semua izin komersial yang dikeluarkan di dalam zona perlindungan sawah menjadi batal demi hukum ( nietigheid van rechtswege ). Secara non-hukum, terjadi penurunan besar dalam produksi hortikultura (kubis turun 35,8% dan wortel 44,8%) dan kegagalan regenerasi petani, meskipun di sisi lain, hal ini meningkatkan pendapatan daerah, memicu dilema fiskal bagi birokrasi. Studi ini menyimpulkan bahwa mekanisme penegakan hukum represif konvensional telah gagal membendung konversi lahan secara bertahap. Oleh karena itu, direkomendasikan agar penegakan hukum direformasi melalui “Model Pemberdayaan Partisipasi atau Kontrol Warga ”. Model ini mengintegrasikan sanksi hukum dengan lima elemen masyarakat yang responsif sebagai pengawas aktif untuk menggeser posisi masyarakat dari tingkat manipulatif non-partisipatif menuju kerangka kemitraan murni dalam LP2B.
The Misappropriation of Public Infrastructure, Facilities, and Utilities (PSU) Land for Private Residential Ownership: An Indonesian Land Law Analysis of Sigura Gura Residence Housing Estate in Malang City Shang Dyah Pitaloka; Herlindah Herlindah; Supriyadi Supriyadi
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.53808

Abstract

This study aims to analyze the factors underlying the transfer of infrastructure, facilities, and public utilities (PSU) land into residential ownership and to examine its juridical and social consequences for residents of Sigura Gura Residence Housing in Malang City. This research employs an empirical legal method with a juridical-sociological approach through statutory, conceptual, and case approaches. The findings reveal that the transfer of PSU land was caused by weak governmental supervision, inadequate land administration, developers’ economic orientation, and delays in the handover of PSU. The conversion of a mushola into residential property resulted in juridical consequences in the form of violations of the social function of land principle and inconsistencies with the approved housing site plan. Socially, the practice led to the loss of worship facilities and communal interaction spaces, thereby affecting residents’ rights to a proper and sustainable living environment.
The Authority of Notaries and Land Deed Officials (PPAT) in Controlling the Conversion of Sustainable Food Agricultural Land (LP2B) during the Transfer of Land Rights Rita Devi Permatasari; Rachmad Safa’at; Herlindah Herlindah
JURNAL AKTA Vol 13, No 2 (2026): June 2026
Publisher : Program Magister (S2) Kenotariatan, Fakultas Hukum, Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/akta.v13i2.53805

Abstract

This study aims to analyze the authority of Notaries and Land Deed Officials (PPAT) in controlling land-use conversion of Sustainable Food Agricultural Land (LP2B) during the transfer of land rights and to examine the juridical implications arising from such authority. The research is grounded on the existence of normative ambiguity and the lack of integration between notarial authority and spatial planning control systems, which creates legal gaps enabling formal yet unlawful land conversion. This research employs a normative juridical method with statutory, conceptual, and case approaches. The findings indicate that the authority of Notaries and PPAT remains general in nature and does not explicitly impose obligations to verify LP2B status, resulting in the suboptimal preventive function as gatekeepers. The juridical implications include potential invalidity of authentic deeds, administrative, civil, and criminal liabilities, as well as legal uncertainty and weakened spatial control effectiveness. Therefore, a comprehensive regulatory reconstruction is required to strengthen the preventive role of Notaries and PPAT in controlling land conversion in order to support national food sovereignty