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All Journal JURNAL MAGISTER HUKUM UDAYANA NOTARIUS Arena Hukum Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Rechtsidee JURISDICTIE Jurnal Hukum dan Syariah Sriwijaya Law Review Jurnal Akta Jurnal Ilmiah Kebijakan Hukum Pena Justisia: Media Komunikasi dan Kajian Hukum Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indian Journal of Forensic Medicine & Toxicology International Journal of Business, Law, and Education YURISDIKSI : Jurnal Wacana Hukum dan Sains International Journal of Educational Review, Law And Social Sciences (IJERLAS) NEGREI: Academic Journal of Law and Governance IBLAM Law Review Jurnal Multidisiplin Madani (MUDIMA) East Asian Journal of Multidisciplinary Research (EAJMR) International Journal of Islamic Education, Research and Multiculturalism (IJIERM) Yuridika Indonesia Law Reform Journal (ILREJ) Warkat Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam
Yenny Eta Widyanti
Fakultas Hukum Universitas Brawijaya
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Neuroscience Public Health Social Sciences Other

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Journal : IBLAM Law Review

 1 
Effectiveness of Article 40 Paragraph (1) of PP Number 24 of 1997 Concerning the Obligation of PPAT to Submit Deeds Made to the Land Office Octaviani, Irva; Widyanti, Yenny Eta; Susilo, Hariyanto
IBLAM LAW REVIEW Vol. 5 No. 2 (2025): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v5i2.600

Abstract

Article 40 paragraph (1) of Government Regulation Number 24 of 1997 regulates the obligation of Land Deed Making Officials (PPAT) to submit the deeds they have made to the Land Office within 7 (seven) working days. However, in practice, this provision is often not implemented in a timely manner, resulting in various administrative and legal obstacles. This study aims to analyze the effectiveness of the implementation of Article 40 paragraph (1) of PP No. 24 of 1997 at the Pulang Pisau Regency Land Office. The method used is an empirical legal approach with data collection through surveys and interviews. The results of the study indicate that there are still delays in the submission of deeds by PPAT, one of which is in the case of the Deed of Granting Mortgage Rights which was registered almost two months after signing. This delay has an impact on the slow process of recording rights and issuing certificates, as well as reducing legal certainty for the community. The main causal factors include lack of supervision, low administrative sanctions, and technical obstacles on the part of PPAT. In conclusion, the implementation of Article 40 paragraph (1) has not been effective and requires strengthening of regulations and increasing legal awareness for PPAT.
Mitigation of Over-Indebtedness Risk in Online Lending: A Comparative Analysis of Regulatory Frameworks in China, Malaysia, and Thailand Abdullah, Salman; Widyanti , Yenny Eta; Djumikasih, Djumikasih
IBLAM LAW REVIEW Vol. 6 No. 1 (2026): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v6i1.667

Abstract

The rise of defaults and over-indebtedness in online lending reflects failures in credit risk management, mainly due to weak lending limitations and an imbalance between platforms and borrowers. This raises legal protection concerns for debtors, as aggressive lending practices are not based on repayment ability. Therefore, imposing restrictions on online lending is crucial to mitigate risks of default and over-indebtedness, through measures like setting maximum loan limits, conducting proportional creditworthiness assessments, and reinforcing prudence in fintech regulations. This research adopts a normative juridical approach with statutory, conceptual, and comparative methods, focusing on China, Malaysia, and Thailand. The study aims to identify an ideal framework for online lending limits to combat defaults and over-indebtedness. Findings show Indonesia lacks sufficient regulation, especially in real-time integration of cross-platform credit data, enabling debt-cycling. Indonesia’s regulatory approach is reactive, while Malaysia’s is proactive. Law enforcement against illegal lending is weak, and debt relief mechanisms are underdeveloped, unlike China and Thailand, which have implemented lending limits and consumer protections. This research recommends a new legal framework integrating national credit reporting with
Co-Authors Abdul Rachmad Budiono ABDUL RACHMAD BUDIONO Abdullah, Salman Adi Kusumaningrum Aditya Syahrul Ikram Afifah Kusumadara Amelia Sri Kusuma Dewi Amelia Sri Kusuma Dewi, Amelia Sri Kusuma Amrulla, Mohammad Fahrial Arif Zainudin Ayu Putu Kusuma Wardhani Berliana, Dina Chusnida, Nabilah Dhiana Puspitawati Dian Novita Dina Mardiana Djumikasi Djumikasih Dwi Budi Santoso Dwithia H.P., Zora Febriena Farradiba Hidayat Hamidi Masykur Herlindah I M, Sukadana Istislam Lely Sulthoniah Leony Sutanto, Christanty Made Ardia Mardyansyah, Dody Novizar Masfufah Masfufah, Masfufah Mazarini Maulidia Aizza Udin Milandsari, Piput Milandsari Muchammad Ali Safa’at MUFIDAH, LAILATUL Muhammad Alvin Nugraha Murty, Theta Naufal Anfasa Firdaus Novitasari Dian PH Nur Widhiyanti, Hanif Nurul Barizah Octaviani, Irva Pranata, Keri Putri, Dinae Rachmi Sulistyarini Rahmi Jened Rayhan Rizky Fitrianto Reka Dewantara Reka Dewantara Rumi Suwardiyati Safira Annisa Serafim, Gladysta Viola Sinaga, Paris Hendra Wijaya Sukarmi Sukarmi Sukarmi Susilo, Hariyanto Syamsiar, Syamsiar Theta Murty Wandita Pramesthi Yusti Merilistia