Claim Missing Document
Check
Articles

PERAN HUKUM LELANG DALAM PENYELESAIAN SENGKETA EKSEKUSI HAK TANGGUNGAN DI INDONESIA Maskanah, Ummi; Yudistira, Dika Eka; Nurdianti, Rini; Kusmawan, Edy
Journal Justiciabelen (JJ) Vol 4, No 02 (2024): July
Publisher : Univeristas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/jj.v4i2.4416

Abstract

ABSTRAKHak tanggungan memberikan jaminan kepada kreditur atas pelunasan utang melalui eksekusi aset yang dijaminkan jika debitur gagal memenuhi kewajibannya. Penelitian ini bertujuan menganalisis permasalahan hukum terkait proses lelang sebagai mekanisme penyelesaian sengketa dalam eksekusi hak tanggungan di Indonesia. Latar belakang masalah ini adalah seringnya terjadi sengketa dalam praktik lelang, terutama terkait prosedur, pemilihan penawar, penentuan harga lelang yang adil, serta perlindungan hak-hak pihak yang terlibat. Penelitian ini menggunakan metode yuridis normatif untuk mengkaji kerangka hukum yang ada dan mengidentifikasi permasalahan serta solusi yang dapat diterapkan. Hasil penelitian menunjukkan bahwa sistem hukum lelang di Indonesia perlu perbaikan dalam penerapan peraturan yang lebih jelas dan konsisten. Hal ini bertujuan untuk memastikan keadilan dan transparansi bagi semua pihak yang terlibat dalam sengketa eksekusi hak tanggungan. Studi ini mengusulkan beberapa solusi untuk meningkatkan efektivitas dan keadilan dalam penyelesaian sengketa melalui proses lelang.ABSTRACTMortgage rights provide guarantees to creditors for debt repayment through the execution of pledged assets if the debtor fails to fulfil its obligations. This research aims to analyse legal issues related to the auction process as a dispute resolution mechanism in the execution of mortgage rights in Indonesia. The background of this problem is the frequent occurrence of disputes in auction practices, especially related to procedures, bidder selection, determination of fair auction prices, and protection of the rights of the parties involved. This research uses the normative juridical method to examine the existing legal framework and identify problems and solutions that can be applied. The results show that the auction legal system in Indonesia needs improvement in the application of clearer and more consistent regulations. This aims to ensure fairness and transparency for all parties involved in a mortgage execution dispute. This study proposes several solutions to improve effectiveness and fairness in dispute resolution through the auction process.
APPLICATION OF THE PRINCIPLE OF JUSTICE IN NON-ADJUDICATIVE SETTLEMENT OF BANKING DISPUTES FROM THE PERSPECTIVE OF ISLAMIC LAW Maskanah, Ummi; Md Nor, Mohd Zakhiri; Mulyana, Aji
Jurisdictie: Jurnal Hukum dan Syariah Vol 15, No 1 (2024): Jurisdictie
Publisher : Fakultas Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/j.v15i1.25411

Abstract

Improving Indonesia's economy is crucial for overcoming poverty, especially post-Covid-19, which caused many business closures. The government introduced the People's Business Credit (KUR) programme to support MSMEs, though some programmes face bad debt issues. In West Bandung Regency, MSMEs use the programme extensively for economic recovery. This research examines whether the Non-Adjudication Settlement model between MSME actors and Islamic banks upholds principles of justice. Using normative and empirical juridical methods, the study incorporates primary, secondary, and tertiary legal materials, along with interviews with MSME actors and KUR-issuing banks. Dispute resolution for problem credits can occur through adjudication (court) or non-adjudication (out-of-court). Islamic banks integrate values from Islamic teachings, encompassing law, morality, and social procedures. For KUR bad credit disputes, Islamic banks are mandated to select processes aligning with Islamic values of truth, justice, and compassion. The non-litigation settlement model is found to reflect Islamic and Indonesian societal values, emphasizing deliberation for consensus and justice. The contribution of this research is to provide an understanding of the effectiveness of the non-adjudication settlement model in handling bad credit in the KUR program, aligning with Islamic values and reflecting Indonesian values. This model can serve as a fairer and more efficient dispute resolution alternative for MSMEs and Islamic banks in Indonesia. Meningkatkan ekonomi Indonesia menjadi sangat penting untuk mengatasi kemiskinan, terutama pasca-Covid-19 yang menyebabkan banyak bisnis tutup. Pemerintah memperkenalkan program Kredit Usaha Rakyat (KUR) untuk mendukung UMKM, meskipun beberapa program menghadapi masalah kredit macet. Di Kabupaten Bandung Barat, UMKM menggunakan program ini secara luas untuk pemulihan ekonomi. Penelitian ini mengkaji apakah model Penyelesaian Non-Adjudikasi antara pelaku UMKM dan bank syariah menjunjung prinsip-prinsip keadilan. Dengan menggunakan metode yuridis normatif dan empiris, studi ini melibatkan bahan hukum primer, sekunder, dan tersier, serta wawancara dengan pelaku UMKM dan bank penerbit KUR. Penyelesaian sengketa untuk kredit bermasalah dapat dilakukan melalui adjudikasi (pengadilan) atau non-adjudikasi (di luar pengadilan). Bank syariah mengintegrasikan nilai-nilai dari ajaran Islam, yang mencakup hukum, moralitas, dan prosedur sosial. Untuk sengketa kredit macet KUR, bank syariah diwajibkan memilih proses yang sesuai dengan nilai-nilai Islam tentang kebenaran, keadilan, dan kasih sayang. Model penyelesaian non-litigasi ditemukan mencerminkan nilai-nilai Islam dan nilai-nilai masyarakat Indonesia, menekankan musyawarah untuk mufakat dan prinsip keadilan. Kontribusi penelitian ini adalah memberikan pemahaman tentang efektivitas model penyelesaian non-adjudikasi dalam menangani kredit macet dalam program KUR, yang sesuai dengan nilai-nilai Islam dan mencerminkan nilai-nilai Indonesia. Model ini dapat menjadi alternatif penyelesaian sengketa yang lebih adil dan efisien bagi pelaku UMKM dan bank syariah di Indonesia.
Law Enforcement Against Notary for Loss Olographic Will Imanuel Santoso, Debora; Maskanah, Ummi; Narsudin, Udin
International Journal of Latin Notary Vol. 4 No. 2 (2024): Internasional Journal of Latin Notary, March 2024
Publisher : Magister Kenotariatan Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61968/journal.v4i2.68

Abstract

The notary has the duties and responsibilities of making and at the same time keeping the olographic inheritance deed desired by the heir before he dies, which is written manually and contains the distribution of his inheritance after he dies without the potential heirs knowing. However, there are times when the olographic will is lost or damaged due to the notary's negligence, resulting in a loss to the maker of the olographic will. This study uses a descriptive normative juridical method; secondary data will be analyzed qualitatively through primary and secondary legal materials supplemented by interviews with notaries using purposive sampling. From the results of the research, it is known that based on Article 933 of the Civil Code requires that the will be submitted to a notary to be stored and sent to the Probate Court and the Central List of Wills. Furthermore, Article 1 paragraph (13) states that the notary has the duty and responsibility to keep the olographic will. Therefore, if the olographic kept by the notary is lost and or damaged, in addition to violating the code of ethics, it also violates Article 1365 of the Criminal Code in conjunction with Article 1367 of the Criminal Code so that the notary can be held accountable by the injured party based on Article 84 UUJN. 7 of 2016.
Comparison of Auction Systems and Procedures Between Indonesia and Japan: A Study of the Principles of Transparency and Legal Certainty Maskanah, Ummi; Khoerunnisa, Alsa Mala; Suherman, Dafina Nurulita; Zulaeha, Tuti
Golden Ratio of Law and Social Policy Review Vol. 4 No. 2 (2025): January - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grlspr.v4i2.1846

Abstract

This study discusses the comparison of auction systems and procedures between Indonesia and Japan, focusing on the application of the principles of transparency and legal certainty. This study stems from the need to understand the extent to which these two principles are implemented in legally regulated auction mechanisms, as well as how the differences in legal approaches between the two countries affect the fairness and effectiveness of the auction system. This study uses a comparative juridical method with a normative-empirical approach, in which data is obtained through literature studies, analysis of legislation, and review of auction practices in both countries. The results show that Indonesia excels in the application of the principle of transparency through the digitisation of the e-auction system managed by the Directorate General of State Assets (DJKN). This system enhances efficiency and public information disclosure, but does not yet fully guarantee legal certainty, as post-auction disputes are still common and the legal protection for auction winners is weak. In contrast, Japan has an auction system based on the strong principle of the rule of law under the Civil Execution Act (Minji Shikkō Hō), with implementation under the supervision of judicial institutions that guarantee legal certainty and protection of buyers' rights. Transparency in Japan is realised in a measurable manner through procedural openness and judicial accountability. Analysis based on the theories of Good Governance and Rule of Law shows that Indonesia places more emphasis on the aspect of transparent management (governance), while Japan is more prominent in legal certainty (law). The two complement each other, because transparency without legal certainty has the potential to cause social uncertainty, while legal certainty without transparency can lead to closed bureaucracy. This study concludes that the ideal auction system is one that is able to integrate both principles in a balanced manner. Indonesia needs to strengthen the aspect of legal certainty, while Japan can adopt digitalisation to increase transparency.
A Comparative Study of Non-Execution Auction Implementation Mechanisms in Indonesia and the Philippines Maskanah, Ummi; Rosmiati, Rina; Hidayati, Tara Devilia; Rahmawati, Suci
Golden Ratio of Mapping Idea and Literature Format Vol. 5 No. 2 (2025): February - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmilf.v5i2.1845

Abstract

This study aims to analyse the comparison of regulations, procedures, and legal protection in the implementation of non-execution auctions in Indonesia and the Philippines through a legal-normative approach. This study uses a normative legal research method with a statute approach and a comparative approach. In Indonesia, non-execution auctions are a state administrative mechanism under the authority of the State Property and Auction Service Office (KPKNL) as regulated in Minister of Finance Regulation No. 122 of 2023, which emphasises formal legal certainty and procedural legality as a means of legal and transparent transfer of rights. Meanwhile, in the Philippines, the extrajudicial foreclosure mechanism regulated in Act No. 3135 jo. Act No. 4118 gives creditors direct authority to execute collateral without a court order, while still guaranteeing the substantive rights of debtors through the principle of equitable redemption and the redemption period. The comparison shows that the Indonesian system is oriented towards administrative efficiency and formal legal certainty, while the Philippines emphasises corrective justice and the protection of civil rights. This difference in orientation illustrates two complementary legal approaches legal certainty according to Gustav Radbruch and corrective justice according to Aristotle which, if integrated, could give rise to an ideal non-execution auction model: economically efficient, substantively fair, and legally accountable. This research is expected to provide a conceptual contribution to the development of a more adaptive and equitable non-execution auction legal system in Indonesia and the Southeast Asian region.
The Position of Arbitration Clause in Bankruptcy Cases: Conflicts of Authority and Solutions Under Indonesian Law Ummi Maskanah
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.5878

Abstract

The arbitration clause is a form of private agreement that binds the parties to resolve disputes outside the court, in accordance with the principle of freedom of contract. However, in bankruptcy cases, conflicts arise between the existence of arbitration clauses and the exclusive jurisdiction of the Commercial Court, considering that bankruptcy has a public law nature that concerns the interests of creditors in general. This research aims to analyse the legal position of arbitration clauses in bankruptcy cases and identify conflicts that arise between the two. The research method used is a normative legal approach by analysing laws and regulations, legal doctrines, and court decisions. The results showed that although the arbitration clause has a strong legal basis based on Article 1338 of the Civil Code and Law No. 30 Year 1999, the court still has exclusive jurisdiction to handle bankruptcy cases in accordance with Article 303 of Law No. 37 Year 2004. The Supreme Court decision also emphasised that arbitration clauses cannot limit the authority of the Commercial Court in determining the insolvency status of an entity. The Supreme Court confirmed that arbitration clauses do not prevent the Commercial Court from handling bankruptcy, as in Supreme Court Decisions No. 45 K/Pdt.Sus/2013 and No. 3415 K/Pdt/2021. Bankruptcy law as lex specialis has a higher position than arbitration, in accordance with the principle of lex specialis specialitet to ensure legal certainty. One recommendation is the revision of relevant laws and the issuance of special guidelines by the Supreme Court to clarify the relationship between arbitration and bankruptcy.
Perbandingan Sistem Digitalisasi Lelang di Indonesia dan Korea Selatan: Dampak terhadap Efisiensi dan Transparansi Dimas Dwi Putra; Ummi Maskanah; Febriana Miharja; Anggoro Nur Faqih
Jurnal Hukum Lex Generalis Vol 6 No 9 (2025): Tema Hukum Agraria dan Pertanahan
Publisher : CV Rewang Rencang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56370/jhlg.v6i9.2323

Abstract

This research compares Indonesia's auction digitalization (lelang.go.id, LPSE) with South Korea's KONEPS using a comparative case study. It analyzes system architecture, regulations, and impacts on efficiency and transparency. The results show South Korea's KONEPS is superior: highly centralized, fully integrated (end-to-end), and supported by advanced technology (digital certificates, blockchain). Conversely, Indonesia, despite progress, faces system fragmentation between asset auctions and procurement, data interoperability issues, and uneven user adoption. South Korea's success lies in its single-window system integrity and strong political commitment, offering valuable lessons for Indonesia.
Penegakan Hukum terhadap Terpidana Korupsi yang Tidak Membayar Uang Pengganti: Tinjauan Hukum Acara Pidana dan Undang-Undang Pemberantasan Korupsi Azhar, Muhammad Adhadin; Maskanah, Ummi
HORIZON: Indonesian Journal of Multidisciplinary Vol. 4 No. 3 (2026): HORIZON: Indonesian Journal of Multidisciplinary (In-Press)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/hijm.v4i3.5457

Abstract

This study aims to analyze the authority and constraints of the executing prosecutor in implementing the substitute money judgment and its implementation procedures according to the criminal procedure law in Indonesia. The research method used is normative juridical with a statute approach, a case approach, and a conceptual approach through library research techniques, namely by examining laws and regulations, court decisions, and relevant legal literature. The results of the study show that the authority of the prosecutor as an executor has been clearly regulated in Article 270 of the Criminal Code and Attorney General's Regulation Number 2 of 2017, but its implementation still faces obstacles in the form of concealment of assets, weak coordination between institutions, low economic value of confiscated goods, and the tendency of convicts to choose subsidiary crimes instead of paying compensation. This research has implications for the importance of strengthening the asset tracing system, coordination between law enforcement agencies, and optimizing execution mechanisms to improve the recovery of state losses and legal certainty. The limitations of this study lie in the use of normative juridical methods that have not described the empirical conditions thoroughly and are limited to the case study of Decision Number 70/Pid.Sus-TPK/2024/PN.Jkt.Pst. Based on the results of the study, it is recommended to strengthen regulations and mechanisms for tracking assets resulting from corruption, increase coordination between law enforcement agencies, and update the policy on the execution of substitute money so that the implementation of state loss recovery can be run more effectively and provide legal certainty.
Empowering Village Paralegals through Local Wisdom: A Model for Rural Legal Aid Ummi Maskanah; Nia Kania Winayanti; Rishki Yuky Restu; Siti Pujiastuti Suhartini
Golden Ratio of Law and Social Policy Review Vol. 5 No. 2 (2026): January - June
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grlspr.v5i2.2211

Abstract

This study aims to develop a village-based legal aid service model through the empowerment of village paralegals based on local wisdom as a strategy to improve access to justice for rural communities. This study uses normative legal research with statutory, conceptual, and comparative approaches. The legal materials consist of statutory regulations, court decisions, policy documents, and academic literature obtained through library research. The analysis is conducted through doctrinal analysis, regulatory interpretation, and deductive reasoning. The findings show that village-based legal aid can bring legal services closer to rural communities that often face geographical, economic, institutional, and informational barriers. The proposed model consists of three main pillars: local wisdom-based paralegal training, technology-supported legal aid services, and sustainable funding mechanisms involving village governments, legal aid organisations, local governments, and community stakeholders. Village paralegals may provide legal education, initial consultation, case documentation, mediation support, community assistance, and referrals to authorised legal aid providers. However, their litigation-related role must be limited to assisting advocates or legal aid providers under proper supervision, not independent court representation. The study also identifies several implementation challenges, including low public legal awareness, limited funding, insufficient training, weak institutional coordination, and limited public recognition of paralegals. Therefore, strengthening village legal aid posts, improving paralegal training and supervision, utilising digital platforms, and establishing sustainable funding and referral mechanisms are necessary to ensure effective and equitable legal aid services in villages.
Perlindungan Hukum Bagi Pembeli Lelang Eksekusi Hak Tanggungan Atas Objek Yang Masih Dikuasai Oleh Debitur Menurut Undang-Undang Hak Tanggungan Ummi Maskanah; Adla Salsabila Lathif; Isfardy Isfardy; Widya Anggraeni
Science and Education Journal (SICEDU) Vol 5 No 2 (2026): Science and Education Journal 2026
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/sicedu.v5i2.515

Abstract

Lelang eksekusi Hak Tanggungan merupakan mekanisme hukum yang digunakan untuk menjamin pelunasan piutang kreditur apabila debitur melakukan wanprestasi sebagaimana diatur dalam Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan. Dalam praktiknya, pelaksanaan lelang eksekusi sering menimbulkan permasalahan ketika objek lelang masih berada dalam penguasaan debitur sehingga pembeli lelang mengalami hambatan dalam menguasai dan memanfaatkan objek yang diperolehnya secara sah. Penelitian ini bertujuan untuk menganalisis kedudukan hukum pembeli lelang eksekusi Hak Tanggungan serta bentuk perlindungan hukum yang dapat diberikan apabila objek lelang masih dikuasai oleh debitur. Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan perundang-undangan dan pendekatan konseptual yang didukung oleh studi kepustakaan terhadap bahan hukum primer, sekunder, dan tersier. Hasil penelitian menunjukkan bahwa pembeli lelang memperoleh kedudukan hukum sebagai pemilik yang sah setelah memenuhi kewajiban pembayaran dan memperoleh Risalah Lelang sebagai bukti peralihan hak. Perlindungan hukum bagi pembeli lelang dapat dilakukan melalui permohonan pengosongan objek, gugatan perbuatan melawan hukum, pendaftaran peralihan hak atas tanah, serta pengakuan sebagai pembeli beritikad baik. Meskipun demikian, penguasaan fisik objek oleh debitur setelah pelaksanaan lelang masih menjadi hambatan yang dapat mengurangi efektivitas perlindungan hukum dan kepastian hukum bagi pembeli lelang.
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