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All Journal JUSTICIA SAINS: Jurnal Ilmu Hukum
Yuniar Rahmatiar
Ilmu Hukum, Fakultas Hukum, Universitas Buana Perjuangan Karawang
Law, Crime, Criminology & Criminal Justice

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Perlindungan Hukum Kreditor Dalam Eksekusi Hak Tanggungan Atas Debitur Wanprestasi Berdasarkan Putusan MA Nomor 174 K/Pdt/2021 Medra Tunggul Parningotan; Yuniar Rahmatiar; Muhamad Abas
JUSTICIA SAINS - Jurnal Ilmu Hukum Vol 11, No 1 (2026): JUSTICIA SAINS: Jurnal Ilmu Hukum
Publisher : Universitas Sang Bumi Ruwa Jurai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24967/jcs.v11i1.5250

Abstract

This research investigates the suboptimal implementation of mortgage security (Hak Tanggungan) execution in safeguarding creditors’ rights against defaulting debtors, notwithstanding the provisions of Law Number 4 of 1996. In practice, litigation initiated by debtors frequently obstructs collateral auctions, hindering creditors from realizing their rights efficiently. This study evaluates the regulatory framework of mortgage execution and the scope of legal protection for creditors, specifically analyzing Supreme Court Decision Number 174 K/Pdt/2021. Utilizing a juridical-empirical method with statutory and case-based approaches, data were gathered via literature reviews and interviews for qualitative analysis. Findings indicate that while creditors normatively possess parate execution authority through mortgage certificates, empirical evidence suggests that legal certainty is undermined by protracted judicial processes. Although Decision No. 174 K/Pdt/2021 validates execution upon proven default, implementation remains contingent on a final and binding ruling (inkracht). Consequently, a significant discrepancy between legal ideals and judicial reality persists, rendering creditor protection ineffective.
Co-Authors Medra Tunggul Parningotan Muhamad Abas