Al Fiani Nenden Iryatin
Universitas Jenderal Soedirman

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Problems with Mortgage Rights on Inherited Property Frida Nurrahma Masturi; Asep Herlan; Al Fiani Nenden Iryatin
Judge : Jurnal Hukum Vol. 6 No. 03 (2025): Judge : Jurnal Hukum
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/judge.v6i03.1517

Abstract

The increasing economic activity, particularly in the banking sector, has led to land being frequently used as the primary guarantee in credit agreements through mortgage rights (hak tanggungan). However, problems arise when the debtor passes away and the mortgaged land becomes part of the inheritance. Since mortgage rights are characterized by the droit de suite principle, the right remains attached to the land regardless of changes in proprietary rights. This legal characteristic often leads to conflicts between creditors and heirs, especially when the heirs were not involved in or unaware of the original credit agreement. Meanwhile, banking institutions require legal certainty over guarantee to exercise their execution rights effectively. This research aims to identify the legal convergence between inheritance rights and mortgage rights in order to uphold justice and legal certainty for all parties involved. The study adopts a normative juridical approach, using secondary data derived from statutory regulations and legal literature. The findings reveal that the lack of synchronization between inheritance law and security law creates legal uncertainty and practical problems, which can only be resolved through regulatory harmonization and procedural clarity in guarantee execution involving inherited land
Tantangan dan Peran Hukum Perlindungan Konsumen pada Era Ekonomi Digital Frida Nurrahma Masturi; Asep Herlan; Al Fiani Nenden Iryatin; Agus Mardianto
Soedirman Law Review Vol 7, No 1 (2025)
Publisher : Faculty of Law, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.slr.2025.7.1.16095

Abstract

Perkembangan ekonomi digital telah mengubah cara konsumen berinteraksi dalam transaksi bisnis, dimana sekarang ini dapat menghadirkan peluang sekaligus tantangan baru dalam perlindungan konsumen. Penelitian ini bertujuan untuk menganalisis peran hukum dalam melindungi hak-hak konsumen di era ekonomi digital, tantangan hukum yang dihadapi, serta perbandingan perlindungan konsumen di Indonesia, China, dan Jepang. Metode penelitian yang digunakan adalah yuridis normatif dengan melakukan analisis terhadap peraturan perundang-undangan seperti UUPK, UU ITE, dan PP PSTE. Dari hasil penelitian menunjukkan bahwa regulasi di Indonesia belum sepenuhnya mengakomodasi karakteristik transaksi digital, seperti perlindungan terhadap data pribadi dan transaksi lintas negara. Tantangan utama meliputi celah hukum, kurangnya literasi konsumen, serta kelemahan penegakan hukum. Dibandingkan dengan China dan Jepang, Indonesia perlu memperkuat regulasi dan penegakan hukum serta meningkatkan literasi digital kepada masyarakat. Penelitian ini memberikan rekomendasi untuk memperkuat perlindungan konsumen melalui kebijakan adaptif, pengawasan berbasis teknologi, dan kolaborasi lintas sektor guna menciptakan ekosistem ekonomi digital yang aman dan berkelanjutan.Kata Kunci: Tantangan dan Peran Hukum; Perlindungan Konsumen; Ekonomi Digital.