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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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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.
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.
Analisis Efektivitas Regulasi Lelang Elektronik di Indonesia dalam Menjamin Transparansi dan Keamanan Transaksi Digital Maskanah, Ummi; Guspita, Anggun R; Putri, Claudia D. Samhara
Innovative: Journal Of Social Science Research Vol. 4 No. 6 (2024): 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.v4i6.17381

Abstract

Perkembangan teknologi digital telah mendorong transformasi dalam berbagai sektor, termasuk pelaksanaan lelang elektronik (e-auction) yang menjadi bagian dari digitalisasi perdagangan. Transparansi dan keamanan menjadi aspek krusial untuk menjamin kepercayaan publik terhadap sistem ini. Penelitian ini bertujuan menganalisis efektivitas regulasi lelang elektronik di Indonesia, terutama Peraturan Menteri Keuangan (PMK) No. 122 Tahun 2023 dan Undang-Undang Informasi dan Transaksi Elektronik (UU ITE), dalam mendukung transparansi dan keamanan transaksi digital. Metode penelitian yang digunakan adalah analisis kualitatif deskriptif melalui pendekatan analisis isi (content analysis) terhadap regulasi terkait. Data sekunder berupa dokumen regulasi dan literatur pendukung, serta studi kasus pelaksanaan lelang elektronik di Indonesia, digunakan untuk mendukung pembahasan. Penelitian ini menemukan bahwa meskipun regulasi telah mencakup beberapa aspek penting, masih terdapat kesenjangan teknis dalam implementasi, seperti perlindungan data pribadi, pengawasan penawaran harga, dan keamanan transaksi elektronik. Hasil penelitian menunjukkan perlunya penguatan regulasi, terutama dengan integrasi teknologi modern seperti blockchain untuk menciptakan transparansi proses dan keamanan data. Selain itu, audit sistem secara berkala dan peningkatan pengawasan terhadap proses lelang elektronik direkomendasikan untuk mendukung kepercayaan masyarakat. Penelitian ini berkontribusi dalam memberikan rekomendasi strategis untuk penyempurnaan regulasi dan implementasi teknologi yang relevan guna meningkatkan efektivitas lelang elektronik di Indonesia. Kata Kunci: lelang elektronik, regulasi, transparansi, keamanan, blockchain, Indonesia.
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