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Legal Analysis of The Auction Process in The Fiduciary Guarantee Execution System Habibie, Muhammad; Nugraha, Rais Rahmat; Rangkoly, Mavelda Regina; 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.v5i1.938

Abstract

The auction process in the fiduciary guarantee execution system is integral to resolving debt-debt disputes involving movable goods collateral. This research aims to analyze the legal aspects related to implementing auctions in the execution of fiduciary guarantees, which refers to the provisions of Law No. 42/1999 on Fiduciary Guarantees. The main focus of this research is to examine the auction procedure, the rights and obligations of the parties involved, and potential disputes that may arise during the process. In addition, this study evaluates the applicability of precautionary principles and the protection of debtor rights in executing auctions. The analysis results show that although the law has regulated the execution of fiduciary guarantees in detail, some challenges remain, such as unclear auction procedures and potential abuse of authority by creditors. Therefore, this study recommends stricter law enforcement and strengthening supervisory mechanisms in the auction process to protect debtors' rights and achieve justice.
Legal Protection of Creditors Against Auction Execution of Mortgage Rights Objects in Disputes Wiguna, Ervan; Musthofa, Hanna Noviana Noer; 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.v5i1.943

Abstract

The execution of mortgage collateral auctions often encounters legal obstacles when the object of collateral provided by the debtor is under dispute. Such conditions pose significant challenges to the legal protection of creditors, particularly in their efforts to secure debt repayment through auction mechanisms. Disputes over the collateral frequently result in delays or even render the auction process infeasible, weakening the creditors' position as holders of mortgage rights. This study analyzes the legal protection afforded to creditors against obstacles in auction execution caused by disputes over the collateral. Furthermore, the research examines the role of legal provisions stipulated in Law No. 4 of 1996 concerning Mortgage Rights in resolving such challenges. The findings emphasize the necessity of stricter law enforcement and the establishment of effective dispute resolution mechanisms to safeguard creditors' rights, even when the mortgage collateral is subject to legal disputes.
MEKANISME PELAKSANAAN LELANG ONLINE (E-AUCTION) TERHADAP OBYEK HAK TANGGUNGAN Maskanah, Ummi; Aulia, Puspa Hygea; Nurlianda, Vina
Keadilan : Jurnal Fakultas Hukum Universitas Tulang Bawang Vol 23 No 1 (2025): Keadilan
Publisher : Fakultas Hukum Universitas Tulang Bawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37090/keadilan.v23i1.1938

Abstract

Pemberian fasilitas Kredit yang diberikan oleh kreditur kepada debitur dalam proses pengembalian atau pelunasan kredit yang dilakukan oleh debitur tidak semua berjalan lancar, untuk itu dapat terjadi proses lelang online obyek hak tanggungan jika proses pelunasan kredit tidak berjalan lancar. Untuk itu penulis melakukan penelitian ini dengan tujuan mengkaji dan membahas lebih dalammengenai mekanisme pelaksanaan lelang online terhadap obyek hak tanggungan. Adapun metode penelitian yng digunakan dalam penelitian ini adalag penelitian kualitatif dengan pendekatan yuridis-normatif, merupakan sebuah penelitian yang menitikberatkan ilmu hukum normatif. Hasil penelitian ini adalah pelaksanaan lelang online (e-auction) terhadap objek hak tanggungan melibatkan beberapa tahapan penting, yaitu pra-lelang, pelaksanaan lelang, pasca-lelang. Hambatan dalam pelaksanaan lelang online mencakup kekurangan dokumen lelang yang dapat menghambat proses pengajuan, gugatan dari debitur sebelum atau setelah pelaksanaan lelang terkait nilai hasil lelang yang dianggap merugikan debitur, serta kesulitan dalam pengosongan objek lelang yang masih dihuni oleh debitur atau pihak terkait lainnya. Kata Kunci: Lelang Online, Hak Tanggungan, Kredit   ABSTRACK The provision of credit facilities provided by creditors to debtors in the process of returning or repaying credit made by debtors does not all run smoothly, for this reason, there can be an online auction process for the object of mortgage rights if the credit repayment process does not run smoothly. For this reason, the author conducts this research with the aim of examining and discussing more deeply the mechanism for implementing online auctions of mortgaged objects. The research method used in this research is qualitative research with a juridical-normative approach, which is a research that emphasizes normative legal science. The result of this research is the implementation of online auction (e-auction) against the object of mortgage rights involves several important stages, namely pre-auction, auction implementation, post-auction. Obstacles in the implementation of online auctions include lack of auction documents that can hinder the submission process, claims from debtors before or after the auction regarding the value of the auction results which are considered detrimental to the debtor, as well as difficulties in vacating auction objects that are still occupied by debtors or other related parties. Keywords: Online Auction, Mortgage, Credit
MEKANISME PELAKSANAAN LELANG ONLINE (E-AUCTION) TERHADAP OBYEK HAK TANGGUNGAN Maskanah, Ummi; Aulia, Puspa Hygea; Nurlianda, Vina
Keadilan : Jurnal Fakultas Hukum Universitas Tulang Bawang Vol 23 No 1 (2025): Keadilan
Publisher : Fakultas Hukum Universitas Tulang Bawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37090/keadilan.v23i1.1938

Abstract

Pemberian fasilitas Kredit yang diberikan oleh kreditur kepada debitur dalam proses pengembalian atau pelunasan kredit yang dilakukan oleh debitur tidak semua berjalan lancar, untuk itu dapat terjadi proses lelang online obyek hak tanggungan jika proses pelunasan kredit tidak berjalan lancar. Untuk itu penulis melakukan penelitian ini dengan tujuan mengkaji dan membahas lebih dalammengenai mekanisme pelaksanaan lelang online terhadap obyek hak tanggungan. Adapun metode penelitian yng digunakan dalam penelitian ini adalag penelitian kualitatif dengan pendekatan yuridis-normatif, merupakan sebuah penelitian yang menitikberatkan ilmu hukum normatif. Hasil penelitian ini adalah pelaksanaan lelang online (e-auction) terhadap objek hak tanggungan melibatkan beberapa tahapan penting, yaitu pra-lelang, pelaksanaan lelang, pasca-lelang. Hambatan dalam pelaksanaan lelang online mencakup kekurangan dokumen lelang yang dapat menghambat proses pengajuan, gugatan dari debitur sebelum atau setelah pelaksanaan lelang terkait nilai hasil lelang yang dianggap merugikan debitur, serta kesulitan dalam pengosongan objek lelang yang masih dihuni oleh debitur atau pihak terkait lainnya. Kata Kunci: Lelang Online, Hak Tanggungan, Kredit   ABSTRACK The provision of credit facilities provided by creditors to debtors in the process of returning or repaying credit made by debtors does not all run smoothly, for this reason, there can be an online auction process for the object of mortgage rights if the credit repayment process does not run smoothly. For this reason, the author conducts this research with the aim of examining and discussing more deeply the mechanism for implementing online auctions of mortgaged objects. The research method used in this research is qualitative research with a juridical-normative approach, which is a research that emphasizes normative legal science. The result of this research is the implementation of online auction (e-auction) against the object of mortgage rights involves several important stages, namely pre-auction, auction implementation, post-auction. Obstacles in the implementation of online auctions include lack of auction documents that can hinder the submission process, claims from debtors before or after the auction regarding the value of the auction results which are considered detrimental to the debtor, as well as difficulties in vacating auction objects that are still occupied by debtors or other related parties. Keywords: Online Auction, Mortgage, Credit
Independence of Judges in Deciding Criminal Cases Perspective on the Principle of Legality Maskanah, Ummi
Jurnal Legisci Vol 1 No 5 (2024): Vol 1 No 5 April 2024
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/legisci.v1i5.241

Abstract

Judges' independence in resolving criminal cases ensures justice and legal certainty inside the legal system from the standpoint of the legality principle. Independence from unlawful interference, autonomy in interpreting the law, and independence from internal and external pressure are all included. Judges must be strengthened to enhance the concept of judges' independence as much as possible. The legality concept can be seen in judges' suitable and effective resolution of criminal cases, which results in justice and legal certainty. To gain a complete picture of judges' independence in making decisions about criminal cases from the standpoint of legality principles, this study employed a normative juridical approach method, utilizing secondary data gathered through literature research with primary, secondary, and tertiary legal materials. The data was then analyzed using qualitative juridical methods. As a foundation for guaranteeing justice in the legal system, the study's findings indicated that judges' independence in resolving criminal cases from a legal standpoint is crucial. The legality principle, which highlights the idea that there can be no crime without law, must serve as the foundation for judges' independence in making decisions on criminal matters. In order to protect the defendant and uphold justice and legal certainty, the judge is not allowed to overstep or break any of the legal restrictions placed to stop abuse of authority. Beyond imposing penalties that fall short of the legal minimum, judges are also constrained by the idea of legality. Researchers contend that material legality, which emphasizes community-felt justice through ideas like restorative justice, should be added to the definition of legality. More research is still needed on this transition.
Eigendom: A Dutch Colonial Legacy in Indonesia's Land Ownership System in Case Number 109 PK/Pdt/2022 Syifa, Awalia; Maskanah, Ummi
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 1 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i1.10995

Abstract

Ideally, Indonesia's land ownership system should have fully adopted the provisions of the 1960 Basic Agrarian Law (Undang-Undang Pokok Agraria or UUPA), which abolished eigendom as a form of property ownership. However, in reality, legal disputes persist regarding former eigendom verponding land, as seen in Case Number 109 PK/Pdt/2022. This case reflects legal issues concerning land rights originating from the colonial system and their implications for legal certainty in land ownership in Indonesia. This study aims to analyze the legal status transformation of eigendom verponding after the enactment of the 1960 UUPA and to examine the legal impact of the Judicial Review (Peninjauan Kembali or PK) decision in Case Number 109 PK/Pdt/2022. This article falls under qualitative library research using a normative legal study methodology. The findings indicate that the legal status of eigendom verponding has been converted according to national agrarian regulations. However, in practice, differences in legal interpretation continue to arise, leading to land ownership disputes. Case 109 PK/Pdt/2022 reaffirms that land title certificates issued under agrarian law provisions hold greater legal recognition than ownership claims based on colonial-era eigendom verponding.
Restoration of Justice Through Rehabilitation As a Critical Review of The Effectiveness of Article 54 of The Narcotics Law As a Paradigm of Modern Criminal Prosecution Maskanah, Ummi; Mulyana, Yusep
Jurnal Hukum dan Keadilan Vol. 2 No. 6 (2025): JHK_OCTOBER
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/jhk.v2i6.451

Abstract

Restorative justice demands a shift from punishment to rehabilitation. Article 54 of the Narcotics Law mandates rehabilitation as an obligation for addicts, shifting the criminal paradigm from punishment to protection and rehabilitation. This rehabilitation reflects the values of restorative justice, which emphasize social and personal recovery from drug abuse. This study aims to examine the position of Article 54 of Law Number 35 of 2009 concerning Narcotics within the framework of modern criminal justice and the concept of restorative justice, as well as to examine the implementation of rehabilitation for drug addicts as a form of recovery approach compared to punishment. The method used is normative juridical with a statutory and conceptual approach, through an analysis of positive legal norms and their relevance in the criminal justice system in Indonesia. The results of the discussion indicate that Article 54 of Law No. 35 of 2009 has an important position in the framework of modern criminalization and restorative justice , by emphasizing medical and social rehabilitation for addicts and victims of drug abuse, rather than punishment. In its implementation, although normatively it reflects a healing approach and protection of human rights, implementation in the field still faces obstacles such as limited facilities, social stigma, and weak support from officials, thus requiring strengthening of policies and institutions.
Analisis Putusan Mahkamah Agung Nomor 510 K/Tun/2023: Implikasi terhadap Penyelenggaraan Lelang Negara Melinda Lorenza; Maudy Nurwidianti; Mohammad Faridz Fathurrohman; Muhammad Hasbi R; Ummi Maskanah
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 4 No. 6 (2024): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik (September - Oktober 2024)
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v4i6.2506

Abstract

implikasi Putusan Mahkamah Agung Nomor 510 K/TUN/2023 terhadap penyelenggaraan lelang umum di Indonesia. Putusan ini sangat penting dalam menjelaskan peran dan kewenangan peradilan tata usaha negara dalam menyelesaikan pengaduan terkait hasil pelelangan umum yang sebelumnya ditangani oleh peradilan umum. Dengan menetapkan bahwa pengadilan tata usaha negara mempunyai yurisdiksi yang lebih tepat dalam hal ini, putusan tersebut memberikan perlindungan hukum yang lebih jelas dan meyakinkan bagi kontraktor. Implikasi dari keputusan ini juga mencakup perlunya peninjauan dan perbaikan prosedur administrasi pelelangan umum untuk meningkatkan transparansi, akuntabilitas dan keadilan. Analisis mendalam mengenai implikasi hukum dan praktis dari keputusan ini tidak hanya memberikan pemahaman yang lebih baik mengenai perubahan hukum yang mungkin mempengaruhi pengelolaan pelelangan umum di masa depan, namun juga menekankan pentingnya penguatan prinsip-prinsip hukum dalam konteks administratif yang diperlukan.
Artificial Intelligence in Civil Justice: Comparative Legal Analysis and Practical Frameworks for Indonesia Maskanah, Ummi
Jambura Law Review VOLUME 7 NO. 1 JANUARY 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33756/jlr.v7i1.27786

Abstract

The advancement of artificial intelligence (AI) technology presents opportunities to improve the efficiency and accessibility of the judicial system in civil procedural law reform. Nonetheless, its execution in Indonesia continues to encounter numerous obstacles, including infrastructure, regulatory issues, and opposition from law enforcement agencies. This study seeks to examine the impact of AI on improving access to and efficacy of justice within the framework of civil procedural law reform in Indonesia. We employ the normative legal research method, which utilizes an approach to law and literature review, to determine the potential and challenges of integrating AI into Indonesia's judicial system. Research findings suggest that AI can accelerate the litigation process and improve the uniformity of court decisions based on precise facts. To ensure optimal use of AI, comprehensive regulatory reform is necessary, along with improvements in infrastructure and training for law enforcement personnel. The findings highlight the importance of formulating policies that promote openness and ethics in AI utilization to maintain fairness principles.
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.
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