Article Per Year (5 Year)
p-Index From 2021 - 2026
7.085
P-Index
This Author published in this journals
All Journal LEX ADMINISTRATUM LEX PRIVATUM LEX CRIMEN SUPREMASI: Jurnal Pemikiran, Penelitian Ilmu-Ilmu Sosial, Hukum dan Pengajarannya Hasanuddin Law Review NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Pendidikan dan Konseling POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) International Journal of Applied Business and International Management Journal of the Community Development in Asia Innovative: Journal Of Social Science Research
Ronny A. Maramis
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

Published : 52 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI)

 1 
Legal Certainty for Creditors on Subsidized Home Ownership Loan Collateral Based on Law Number 4 of 1996 Concerning Mortgage Rights Suwarsono, Maria Angelina; Maramis, Ronny A.; Tampongangoy, Grace H.
POLICY, LAW, NOTARY AND REGULATORY ISSUES Vol. 4 No. 4 (2025): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/polri.v4i4.1991

Abstract

Subsidized Mortgage (KPR) serves as a crucial government policy instrument aimed at fulfilling the housing needs of low-income communities. This financing scheme involves a credit agreement between banks and debtors, where the main collateral is secured through Mortgage Rights over land, formalized via a Deed of Granting Mortgage Rights (APHT). However, in practice, delays in executing APHT are common, prompting banks to initially use a Power of Attorney to Encumber Mortgage Rights (SKMHT). This practice raises concerns regarding legal certainty for creditors, especially when debtors default while the mortgage rights have not been formally registered. Such issues are reflected in the high rate of Non-Performing Loans (NPL) and unresolved certificate issuance cases. This research aims to analyze the legal regulation of collateral in Subsidized Mortgages based on Law Number 4 of 1996 concerning Mortgage Rights and to examine the juridical implications for creditors when guarantees have not been fully established. The study employs a normative legal research method with a juridical-normative approach, utilizing primary, secondary, and tertiary legal materials analyzed qualitatively through legal identification and doctrinal review. The findings indicate that while Mortgage Rights provide preferential legal standing for creditors, implementation challenges persist due to administrative inefficiencies, delays by Notaries or Land Deed Officials (PPAT), and complications from developers. Although the law grants time flexibility for SKMHT in subsidized mortgage schemes, it inadvertently creates potential legal uncertainty. Therefore, strengthening regulatory enforcement, expediting APHT processes, and enhancing oversight mechanisms are imperative to ensure legal certainty and protection for all stakeholders.
Co-Authors A. Valentino Sinaga Abdullah Marlang Abdurrahman Konoras Abdurrahman Konoras Abdurrahman Konoras Abraham Agung Poputra Adysto Dea Aminuddin Ilmar Anastasya Emmy Gerungan Arthur Piri Betsy A. Kapugu Brandon Ridle Julio Tumanduk Cahya Shinta Sakti Christian Christmas Sihombing Dani R. Pinasang Dani R.Pinasang Deasy Soeikromo, Deasy Deiby Rifka Purwanti Wagiran Dwi F. Mokoagow Elko Lucky Mamesah Emma V.T Senewe Equino Mikael Makadolang Febiola V Katiandagho Frederik, Wulanmas A. P. G. Friend H. Anis Gainau, Helben Giofani Omega Damar Grace H. Tampongangoy Grace H. Tampongangoy, Grace H. Grace tampongangoy Grace Yurico Bawole Helben Gainau Herlyanty Y. A. Bawole Hermanus, Roger Inggrid Feinsiela Bawotong Ixel Meilissa Greymona Maramis J. Ronald Mawuntu Jastinra Paula Megaputri Mamalu Jeany Anita Kermite Jemmy Somdakh Josua Retno Simbolon Justisi Devli Wagiu Kania Indah Putri Kesek Karmenita Sendi Bawinto Lendy Siar Lifking Novian Kandow Lontoh, Rielly Maarthen Y. Tampanguma Maarthen Youseph tampanguma Marthin L. Lambonan Martquery Herman Lewar Maryam Laomo Mawuntu, J. Ronald Megan Chlersye Britney Veronica Dareho Mercy M. M. Setlight Meylicia Vinolitha Kamagi Millitia Christy Chelsea Umboh Mokaliran, Enjelina Venesia Momuat, Yulia Vera Natalia Lengkong Nataly Desnia Syaloomita Mukuan Pandelaki, Glenn Richard Petra J. Pelle Pinasang, Dani R. Preisy C.J. Mokoagouw Priscilla Sheren Sondakh Rangga Trianggara Paonganan Ratniasih, Ni Putu Priska Renny Nansy S. Koloay Rielly Lontoh Rolando Ngenget Ryan Renova SABRINA SARAH SUMENDAP Sarah D. L. Roeroe Semboeng, Jessica Vallencia Senewe, Emma V. T. Serina Soriton Sinta Lamria Yulianti Siagian Sondakh, Devy K. G. Sondakh, Devy K.G. Subekti A. Sulaeman Suwarsono, Maria Angelina Theodorus Hendrik Willem Lumunon Thessalonika Gloria Kalalo Timotius Moris Tiwow Toar Neman Palilingan Venishia Fabiola Paseki Waha, Caecilia J. J. Yusak M. Papendang