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All Journal JURNAL LITIGASI (e-Journal) JURISDICTIE Jurnal Hukum dan Syariah JURNAL ILMIAH LIVING LAW Awang Long Law Review Jambura Law Review Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Aisyah : Jurnal Ilmu Kesehatan Jurnal Hukum Sasana Journal De Facto Jurnal Hukum Lex Generalis Keadilan Journal Justiciabelen (JJ) Golden Ratio of Mapping Idea and Literature Format Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Journal of Social And Economics Research i-Latinnotary Journal: Internasional Journal of Latin Notary Golden Ratio of Data in Summary SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum JUDGE: Jurnal Hukum Innovative: Journal Of Social Science Research Golden Ratio of Law and Social Policy Review (GRLSPR) Science and Education Journal Jurnal Hukum dan Keadilan Horizon: Indonesian Journal of Multidisciplinary Journal Of Law Sciences (Legisci) Jurnal Hukum Mimbar Justitia Keadilan
Hj. Ummi Maskanah
Pasundan University
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Tantangan Dan Kendala Eksekusi Lelang Harta Tak Bergerak Dalam Penyelesaian Utang Az Zahra, Nisa; Maskanah, Ummi
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i1.17509

Abstract

Permodalan dalam bentuk kredit memainkan peran dalam mendukung kegiatan bisnis dan ekonomi suatu negara, dengan jaminan seperti hak tanggungan sebagai elemen utama yang melindungi kepentingan kreditur. Dalam hal debitur gagal memenuhi kewajiban pembayaran, lelang harta tak bergerak, yang diatur secara ketat oleh peraturan perundang-undangan Indonesia, menjadi mekanisme penyelesaian utang yang penting. Proses ini melibatkan beberapa tahapan, mulai dari penyitaan hingga pelaksanaan lelang, dengan tujuan mencapai harga pasar yang wajar dan memastikan keadilan bagi semua pihak terkait. Namun, meskipun sudah ada prosedur yang jelas, pelaksanaan lelang sering menghadapi tantangan, seperti masalah kepemilikan, ketidakakuratan penilaian, prosedur yang rumit, serta kurangnya minat pembeli. Penelitian ini bertujuan untuk mengidentifikasi tantangan dan hambatan dalam eksekusi lelang harta tak bergerak di Indonesia, serta dampak hukum terhadap debitur dan kreditur. Menggunakan pendekatan kualitatif deskriptif, data dikumpulkan melalui wawancara dan studi dokumentasi, yang kemudian dianalisis dengan teknik analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa meskipun lelang merupakan solusi hukum untuk penyelesaian utang, tantangan seperti sengketa kepemilikan, prosedur panjang, dan ketidakpastian hasil lelang masih menjadi hambatan signifikan dalam efektivitasnya. Penelitian ini diharapkan dapat memberikan wawasan untuk memperbaiki praktik pelaksanaan lelang harta tak bergerak di Indonesia. Kata Kunci : Tantangan Kendala, Eksekusi Lelang, Harta Tak Bergerak, Penyelesaian Utang
Analisis Kepastian Hukum Lelang Terhadap Objek Hak Tanggungan Secara Online Susilawati, Susi; Dewi, Citra Rakhmawati; Maskanah, Ummi
Innovative: Journal Of Social Science Research Vol. 5 No. 1 (2025): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v5i1.18042

Abstract

Lelang objek hak tanggungan secara online merupakan inovasi yang bertujuan untuk meningkatkan efisiensi, transparansi, dan aksesibilitas dalam sistem lelang di Indonesia. Seiring dengan pesatnya perkembangan teknologi, lelang elektronik (e-lelang) memungkinkan peserta untuk ikut serta tanpa harus hadir secara fisik, namun juga menghadirkan sejumlah tantangan hukum, terutama terkait kepastian hukum terhadap objek hak tanggungan yang dilelang. Penelitian ini bertujuan untuk Memberikan rekomendasi untuk meningkatkan kepastian hukum dalam pelaksanaan lelang objek hak tanggungan secara online serta Mengidentifikasi tantangan yang dihadapi dalam memastikan kepastian hukum lelang objek hak tanggungan secara online.. Hasil penelitian menunjukkan bahwa meskipun ada dasar hukum yang cukup untuk pelaksanaan lelang online, tantangan terkait keabsahan sistem, keamanan, akses teknologi, serta verifikasi objek lelang masih perlu perhatian lebih. Untuk itu, diperlukan peraturan yang lebih terperinci serta peningkatan pengawasan guna memastikan kepastian hukum dalam lelang elektronik.
Legal Power of Proof of Auction Minutes Deed in Electronic Implementation Maskanah, Ummi; Nurhasanah, Siti; Avshary, Muhammad Akhmal
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.905

Abstract

Auction is basically an act of buying and selling, where there are elements of price and goods, the difference is that the auction requires the presence of an auction official, with the stipulation of PMK 122/2023 concerning the implementation of electronic auctions, the auction can be carried out without the presence of an auction official, with the absence of the auction official contradicting the validity and strength of the auction minutes deed which still creates doubts for the auction winner in the implementation of the electronic auction. This study uses normative legal research that analyzes applicable laws and regulations and is applied in certain legal problems by analyzing laws and regulations relating to legal protection and electronic auctions, the results of the study obtained are the validity and legal force of the auction minutes deed can still be accepted as an authentic deed because it can be accounted for and the truth of the authentic deed by the auction official without deviating from the provisions of applicable laws and regulations.
Responsibilities of Notaryas Class II Auction Officer Regarding the Deed of Auction Minute He Makes Subrata, Nabila Djuliana Suria Subrata; Salsabila, Ainul Mardiyah; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.906

Abstract

Auction is a method of selling goods or services conducted through an open bidding process, which is strictly regulated in Indonesia by laws and regulations, including the Minister of Finance Regulation No. 27/PMK.06/2016. In implementing auctions, the auction minutes act is important as an authentic document that records the auction process and its result. As a public official authorized to create authentic deeds, a notary is responsible for creating the auction minutes act, including as a Class II auction official. Although holding multiple positions is not allowed, the law grants notaries the authority to serve as Class II auction officials responsible for conducting voluntary non-execution auctions and creating the Auction Minutes Act. This article examines the legal responsibilities of notaries as Class II auction officials in creating the Auction Minutes Act, encompassing administrative, civil, and criminal aspects. Errors in creating the Auction Minutes Act may lead to serious legal consequences, including administrative sanctions, civil compensation, and criminal penalties. Additionally, notaries are required to store the minutes of the auction by applicable regulations. This study uses a normative legal research method with a legislative approach, aiming to provide an understanding of the legal responsibilities of notaries as auction officials in implementing auctions in Indonesia.
Legal Protection for Buyers of Objects Mortgage Rights in Registering Transfers of Land Rights That Become the Object of Auction Collateral Safriani, Vini Nurul; Saraswati, Nabila Trina Saumah; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.907

Abstract

Parate Executive or direct execution, namely the execution of mortgage rights, which is carried out by selling the object of the mortgage right by the first mortgage holder on his power through a public auction and taking the debt payment from the sale proceeds. Protection of mortgage auction has been carried out in a preventive manner by the State Wealth and Auction Service Office (KPKNL) because before the auction, KPKNL notifies the auction participants regarding the documents, conditions, and conditions of the object to be auctioned in truth and as it is as well as the consequences and risks that may arise from the auction object. Regarding repressive protection, namely efforts to obtain legal protection through judicial bodies and obstacles to implementation, there is no agreement on the price of the object being auctioned.
Implementation of Executorial Title Towards Auctions on Credit Guarantees for House Ownership as Reviewed from Law Number 4 of 1996 Concerning Mortgage Rights on Land and Objects Related to Land Meutia, Irviana; Barus, Theresia Juliana Ngarakken; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.908

Abstract

The need for housing has now become mandatory. The credit scheme will make it easier for everyone to own a house by guaranteeing the legality of land rights burdened with mortgage rights. However, not everyone who has applied for credit always complies with the terms agreed in the Credit Agreement. One example is a debtor who breaks his promise or defaults by not paying installments so that the bank, as a creditor, confiscates the object of collateral. To pay the debtor’s remaining debt until repayment, the bank sells the collateral object belonging to the debtor by auction. The bank carries out this auction based on the executorial power attached to the Mortgage Rights Certificate so that the bank does not need to submit a request or lawsuit to the court because the executorial power of the Mortgage Rights Certificate is the same as a court decision with permanent legal force.
Legal Protection for Buyers of Collateral Objects Sold at Auction Joserando, Jodi Jordan; Maskanah, Ummi; Fuazi, Afif
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.914

Abstract

The purpose of this research is to analyze the legal protection provided to buyers who purchase collateral objects sold at auction, as well as to explore the legal challenges faced by buyers in acquiring rights to these objects. The main focus of this research is to understand how the legal system provides protection for buyers. This study uses a qualitative method with a descriptive approach, aimed at describing and analyzing the legal situation in cases involving the auction of collateral objects. Data collection was carried out through interviews with various related parties, including notaries, legal practitioners, auction officials, and buyers of auctioned objects. The results of the study show that, although there are efforts to protect buyers under auction regulations, buyers often face challenges related to the legal status of the objects they purchase. Buyers are at risk of being caught in legal disputes concerning obligations attached to the purchased objects, especially with regard to third-party rights or debts associated with the object. This research also finds that the current auction procedures and regulations still have gaps that allow for legal uncertainty for buyers.
The Authority of Notary as Class II Auction Official in Providing Legal Counseling on The Auction Minutes Deed They Create Budiman, Seno Aziz; Ramadhan, Muhammad Willy; Tarigan, Notora; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.915

Abstract

This study aims to analyze the authority of a notary as a class II auction official in providing legal counseling related to the auction minutes deed they create. This research focuses on understanding the notary's role in ensuring that the parties involved in the auction gain a clear legal understanding of their rights and obligations and provide accurate explanations regarding the auction process as reflected in the auction minutes deed. The study's findings show that the notary's authority as a class II auction official in providing legal counseling is crucial to ensuring that the auction process proceeds by the applicable legal provisions. The notary plays a key role in explaining the legality of the auction minutes deed, which can influence the decisions of the auction participants. However, challenges in implementing this authority were found, such as the limited legal understanding of the parties involved and the lack of coordination between the notary and the auction institution.
The Effect of E-Auction Service Quality on The Satisfaction of Auction Applicants at KPKNL Metro Mazwa, Refizma Poltica; Maskanah, Ummi; Afif, Muhammad
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.916

Abstract

This study aims to determine whether the service quality of internet-based auctions (e-Auction) has an impact on the satisfaction of auction applicants at KPKNL Metro. The research design used is a quantitative approach. The results show that the service quality of internet-based auctions (e-Auction) has a significant effect on the satisfaction of auction applicants at KPKNL Metro. The service quality of the internet auction on the satisfaction of auction applicants has a p-value of 0.000 < 0.05 and a t-value of 5.745 > t-table 2.023, indicating that H1 is accepted, meaning there is an effect of the internet auction service quality on the satisfaction of auction applicants at KPKNL Metro. The F-value of 33.006 > the F-table value of 3.24 further confirms that H1 is accepted, meaning there is a simultaneous effect of internet auction service quality (X) on auction applicant satisfaction (Y). The R Square value, or coefficient of determination, is 0.471, meaning that the effect of the independent variable (X) on the dependent variable (Y) is 47.1%. Therefore, it can be concluded that H0 is rejected, and Ha is accepted, indicating that the quality of internet auction the satisfaction of auction applicants at KPKNL Metro.
Legal Protection for Auction Winners Whose Items Are Still Held by The Debtor According to Law Number 4 of 2004 on Auctions Rusmana, R. Anggi Gilang; Irawan, Hagi Muhamad Fauzan; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.917

Abstract

This research discusses the legal protection for auction winners whose items are still held by the debtor, analyzed based on Law Number 4 of 2004 on Auctions. An auction is one way to enforce creditors' rights against debtors who cannot fulfill their obligations. In this study, the author examines the provisions in Law Number 4 of 2004, and the applicable legal practices to provide an overview of the legal steps auction winners can take to obtain the items they have won. The research findings indicate that although the auction winner has the right to the items once the auction process is complete, there is a legal protection mechanism that must be followed to obtain those items, including through the execution of goods by the auction official. This study also highlights the importance of legal protection for auction winners so that the applicable procedures can effectively protect their ownership rights over the auctioned items.
Co-Authors Abdullah Gimnastiar Adla Salsabila Lathif Afrizal Muhamad Fauzy Agus Murianto Alexander Triastanto Andhika Wijaya Pratama Anggoro Nur Faqih Aprilia Maharani Sule Ardisia Rahma Susetyo Arfa Maulana Aulia, Puspa Hygea Avif Prasetyo Avshary, Muhammad Akhmal Az Zahra, Nisa Azhar, Muhammad Adhadin Barus, Theresia Juliana Ngarakken Bova Akbar Ismail Dayan Budiman, Seno Aziz Burhanuddin, Sisca Ferawati Cicin Nurpasha Dea Putri Aprilian Dennice Augustine Dessy Normawati Dewi, Citra Rakhmawati Dimas Dwi Putra Ellen Valerian Esmeralda Magdalena Faulin Hasna Dalilah Febriana Miharja Febry Nurtriandany Purnomo Fikri Ahmad Anwari Fitri Aprilia Rasyid Fuazi, Afif Gilza Azzahra Lukman Guspita, Anggun R Herlani, Lisa Herlani Hidayati, Tara Devilia Imanuel Santoso, Debora Irawan, Hagi Muhamad Fauzan Isfardy Isfardy Jenni Jenni Johan Firmansyah Joserando, Jodi Jordan Khoerunnisa, Alsa Mala Kusmawan, Edy Levina Abigail Chandra Maudy Nurwidianti Mazwa, Refizma Poltica Md Nor, Mohd Zakhiri Melinda Lorenza Meutia, Irviana Mohammad Faridz Fathurrohman Muhamad Rizaldi Salas Muhammad Adhadin Azhar Muhammad Afif Muhammad Azka Izzaturrahman Zulkarnain Muhammad Hasbi R Mukhamad Bahyudin Mulyana, Dodo Musthofa, Hanna Noviana Noer Narsudin, Udin Nia Kania Winayanti Nira Melodia Pasha Norika Manurung Nugraha, Rais Rahmat Nurdianti, Rini Nurlianda, Vina Nursafrudin, Dansyah Putri, Claudia D. Samhara Raden Khemal Hadda Sudjadiningrat Raja Raditya Ferialdi Ramadhan, Muhammad Willy Rangkoly, Mavelda Regina Rani Fitriani Rishki Yuky Restu Rohmani, Rodiah Rosmiati, Rina Rusaedi, Attansya Rafli Rusmana, R. Anggi Gilang Ryandi, Gialdes Evan Safriani, Vini Nurul Salsabila, Ainul Mardiyah Saraswati, Nabila Trina Saumah Setiawati, Yeti Sharon Jeanice Samuel Sisca Rizky Agustina Siti Nurhasanah Siti Pujiastuti Suhartini Subrata, Nabila Djuliana Suria Subrata Suci Rahmawati, Suci Sugandi, M. Fajri Reznandya Suhartini, Siti Pujiastuti Suherman, Dafina Nurulita Sukamto, Ika Sumiyarsi SUSILAWATI, SUSI Syifa, Awalia Tami Rai Intan Tarigan, Notora Tiara Rachmawati Tita Apriliani Tubagus Langlang Buana Varta Kusuma, Raden Nugraha Darmawan Varta Kusuma Wida Yuningsih Widya Anggraeni Wiguna, Ervan Wijaya, Melliana Wildan Wildan Ashar Yossi Prasetiyo Yudistira, Dika Eka Yusep Mulyana Zaenudin, KM Ibnu Shina Zulaeha, Tuti