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IMPLEMENTATION AND LEGAL CERTAINTY OF MORTGAGE-BACKED CREDIT AT CANGGU CUSTOMARY VILLAGE CREDIT INSTITUTION Anak Agung Bagus Ari Satya Dharma; I Nyoman Putu Budiartha; I Wayan Kartika Jaya Utama
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 11 (2026): OCTOBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.23291681

Abstract

This study examines the implementation and legal certainty of mortgage-backed credit at the Village Credit Institution (Lembaga Perkreditan Desa, LPD) of Canggu Customary Village, Bali. The central issue is the tension between Article 9 of Law No. 4 of 1996, which limits holders of Mortgage Rights to individual persons or legal entities acting as creditors, and the LPD's status as a customary-village-owned financial institution that is not expressly designated as a legal entity in the national legal system. Using empirical legal research, the study combines sociological, statutory, and conceptual approaches with interviews, observation, and documentary analysis. The findings show that LPD Canggu applies a structured lending process comprising credit application, debtor and collateral assessment, credit agreement, execution of SKMHT and APHT before a Notary/PPAT, and registration at the Land Office. When default occurs, the LPD prioritizes deliberation, restructuring, and voluntary collateral takeover (AYDA) rather than auction. Operational practice therefore demonstrates social effectiveness but remains normatively uncertain. Clearer legislation is required to define the LPD's legal capacity within the national Mortgage Rights regime while preserving its customary institutional character.
Co-Authors A. A. Ayu Ningrat Chuk Putri Prameswari A. A. Ngurah Deddy Hendra Kesuma A.A Gede Diotama A.A Made Andika Purnama Arta A.A Sagung Laksmi Dewi A.A. Istri Agung Cintya Anomsari A.A. Ngurah Bagus Bayu Prasetia A.A. Sagung Laksmi Dewi A.A. Sagung Laksmi Dewi A.A. Sagung Laksmi Dewi A.A. Sagung Laksmi Dewi A.A. Sagung Laksmi Dewi AA Mas Pradnyandari Mantara Ade Saptomo Ade Satriasa Maha Putra Adinikum Keba Tunggu Agnes Geraldine Olga Supriyana Agung Istri Altia Dwi Widaswari Agus Antara Putra Agustinus Bali Mema Albertus Dicky Andrianto Anak Agung Alit Ista Damayanti Anak Agung Ayu Agung Cleo Bayu Pertiwi Anak Agung Ayu Rai Agung Rene Dhariswari Anak Agung Bagus Ari Satya Dharma Anak Agung Bagus Ryan Ganandhika Anak Agung Bagus Wirawan Anak Agung Bagus Yoga Pramana Anak Agung Dita Intan Pertiwi Anak Agung Gde Agung Kresna Kamaswara Anak Agung Gde Chandra Wiratama Anak Agung Gede Arnawa Anak Agung Gede Bagastatha Dalem Anak Agung Gede Meditriana Putra Anak Agung Gede Oka Wisnumurti Anak Agung Istri Agung Anak Agung Istri Altia Dwi Widaswari Anak Agung Istri Mahaputri Anak Agung Krisna Kumala Dewi Anak Agung Krisna Sumantri Anak Agung Lanang Parwacita Anak Agung Made Ayu Rai Lidya Astari Anak Agung Ngurah Gede Wiratdika Anak Agung Ngurah Sentana Putra Anak Agung Prabhaputra Anak Agung Rosiana Dewi Putri Anak Agung Sagung Laksmi Anak Agung Sagung Laksmi Dewi Anak Agung Sagung Laksmi Dewi Anak Agung Sagung Laksmi Dewi Anak Agung Sagung Laksmi Dewi Anak Agung Sagung Laksmi Dewi Anak Agung Sagung Saviti Mahawishwa Karmani Angliati Deltia Kamuri Mawo Ate ANJANI, Mey Antara, I Wayan Wesna Arini, Desak Gde Dwi Arya Adi Sastra Aryabang Bang Frisyudha Audina Rahma Aurora Mayawa Rissandjani Ayu Metta Sandra Azizul Anwar Bagus Arya Wira Yudha Bayu Angga Saputra Bayu Kusuma Permana Putra Brendan Matthew Fandoe Carlos M. Raymundo Cecillia Ayu Triwulandari Suhartono Chandra Adi Gunawan Putra Chandra Adi Gunawan Putra Charles Ferguson Lagaribu De Ornay Cok Gede Bagus Putra Premana Pemayun Cokorda Gede Wirasatya Pradana Cokorda Istri Agung Mahayuni Cokorda Istri Ratih Utami Dewi Cokorda Istri Sarawasundhari Darma Budi Setiawan Darma Budi Setiawan Demosthenes B. Vibandor Denisya, Ni Putu Desak Gd.Dwi Arini Desak Gde Dwi Arin Desak Gede Dwi Arini Desak Gede Dwi Arini Desak Gede Dwi Arini Desak Gede Dwi Arini Desak Gede Dwi Arini Desak Putu Kania Pratiwi Desi Purnani Desi Purnani Dewa Ayu Cahyani Paramitha Dewa Ayu Diah Handayani Dewa Ayu Dita Novilina Dewa Ayu Nyoman Trisnamurti Dewa Ayu Putu Mita Purnamasari Dewa Gede Doni Anggara Pramudia Dewa Ketut Swanjaya Tirta Dewi, A.A Sagung Laksmi Dewi, A.A. Sagung Laksmi Diah Cayatri Sudibya Diah Gayatri Sudibya Diah Gayatri Sudihya Dimas Hadi Prastya Dita Paramitha Djelantik, IGN. Supartha Dwi Anggi Cahyani Dwitya Candra Yasa Dyah Merryani Dynna Madina Karuniawan Efraim Mbomba Reda Fatikhah Kismilarsih Fatikhah Kismilarsih Ferdy Pradana Galu Putri Fatia Gde Nanda Radithya Kresnantara Sanjaya Gede Agung Wirawan Nusantara Gede Agung Wirawan Nusantara Gede Agus Darmawan Gede Agus Krisna Mahendra Gede Agus Wiadnyana Gede Andi Wiradharma Gede Angga Prawirayuda Gede Bagus Andika Putra Gede Dana Semara Putra Gede Mahadi Waisnawa Hanata Putra Gede Mahesa Priyambada Kusuma Gede Nira Wicitra Yudha Gede Oscar Geovani Gede Yudi Krisnanda Gianluca Fredrick Wou Dopo Gianyar, I Made Guntarto Widodo Gusti Ayu Ajeng Prabaningtyas Gusti Ayu Arya Anindyanari Auliani Dewi Gusti Ayu Dewi Irna Yanthi Gusti Bagus Windu Sada Gusti Ngurah Sudarma Yuda Gusti Putu Ngurah Gita Pradnyana Putra Hamam Febrian Cahaya Hartini Sarifan Hartini Saripan Hartini Saripan I B Eka Karanantara I Dewa Gede Aditya Mahendra Putra I Dewa Gede Angga Bhasudeva I Dewa Gede Dwipayana Putra I Dewa Putu Andre Wiratama I Dewa Putu Andre Wiratama I Gede Agus Purna Jaya I Gede Agus Putrayasa I Gede Agus Wira Sanjaya I GEDE ARIMBAWA I Gede Dharma Kusuma I Gede Dharma Kusuma I Gede Eka Surya Pramana I Gede Gita Ananda Putra I Gede Mallik Satya Devangga I Gede Nyoman Aditya Riana Triputra I Gede Prema Nugraha Suastama I Gede Putu J Gusnaedi I Gede Satya Bala Putra Dewa I Gede Sudiarta I Gede Sukadana I Gede Tirtayasa I Gede Vera Yudana I Gede Wardana Oka Sastra Wiguna I Gusti Agung Ayu Gita Pritayanti Dinar I Gusti Agung Mahendra I Gusti Agung Ngurah Anom Deva I Gusti Agung Tria Masdiana Putra I Gusti Ayu Andara I Gusti Ayu Claudia Prathami Mertha I Gusti Ayu Intan Chandra Dewi I Gusti Ayu Intan Surya Dewi I Gusti Ayu Pryanka Nindyaprasista Putri I Gusti Ayu Ria Rahmawati I Gusti Bagus Suryawan I Gusti Made Ngurah Bagus Andre Wedananta I Gusti Ngurah Agung I Gusti Ngurah Agung Krisna Dwipayana Pradnyan I Gusti Ngurah Agung Krisna Dwipayana Pradnyan I Gusti Ngurah Bagus Denny Hariwijaya I Gusti Ngurah Gede Maheshwara Wedananta I Gusti Ngurah Muliarta I Gusti Ngurah Muliarta I Gusti Ngurah Rendra Suryana I Gusti Ngurah Winda Aditya Putra I Gusti Putu Ghosadhira Vedhastama I Kadek Adi Payana I Kadek Agus Arnawa Pariwesa Putra I Kadek Agus Dimas Harta Khanna I Kadek Ari Cahya Dwipa I Kadek Ary Astrawan I Kadek Bagiasa I Kadek Bagus Hari Rama Sanjaya I Kadek Bayu Surya Diana I Kadek Boy Aditya Mertajaya I Kadek Galang Taksu Ananda I Kadek Grendy Bhineka I Kadek Leo Byasama Wijaya I Kadek Sridana I Kadek Surya Wirawan I Ketut Detri Eka Adi Pranata I Ketut Gede Suardana I Ketut Irianto I Ketut Irianto I Ketut Kasta Arya Wijaya I Ketut Suardika I Ketut Suardika I Ketut Sukadana I Ketut Widia I Komang Angga Triyadi Giri I Komang Dodik Wijaya I Komang Ngurah Wirya Jaya I Komang Tresnanda Pramana I MADE ADHI ARIANA I Made Adi Putra I Made Adi Putrawan I Made Adi Sanjaya I Made Aditya Mantara Putra I Made Aditya Wira Sanjaya I Made Amertha Wiguna I Made Ardena I Made Ari Yudistira I Made Dharma Putra I Made Dwi Bimantara I Made Dwi Darmestha I Made Dwiki Yolanda I Made Krisnan Wijaya Putra I Made Mardika I Made Maswinartha I MADE MINGGU WIDYANTARA, I MADE MINGGU I Made Oka Pradnya Prawira I Made Panji Ambara Putra I Made Pratitha Adi Putra I Made Pria Dharsana, I Made Pria I Made puspasutari Ujianti I Made Rai Sukerta I Made Rauhimas Oka Raharja I Made Rimawan I Made Sandi Cahyadi I Made Satria Wibawa Tangkeban I Made Setiasa I Made Sukayasa I Made Suniasta Amertha I Made Suwitra I Made Wiratama I Made Yudi Artana I Nengah Laba I Nengah Laba I Nyoman Agus Saputra I Nyoman Alit Puspadma I Nyoman Alit Puspadma I Nyoman Bangkit Sugiarta I Nyoman Kerthia Wahyudi I Nyoman Oky Krisnanda I Nyoman Srimurti I Nyoman Subamia I Nyoman Subamia I Nyoman Subamia I Nyoman Subamia I Nyoman Sujana I Nyoman Sukandia I Nyoman Sumardiana I Nyoman Sutama I Nyoman Yudhi Astika I Nyoman Yudhi Astika I Pt Gd Seputra I Putu Agus Tirta Yasa I Putu Aldi Wiryatama I Putu Angga Septayana I Putu Bagus Ariana I Putu Bagus Rizaldi Pramana I Putu Bayu Aditya Nendra I Putu Dicky Suryantha I Putu Dipta Indrayana I Putu Erick Sanjaya Putra I Putu Gde Seputra I Putu Gede Murditayasa I Putu Gede Seputra I Putu Gede Seputra I Putu Gede Seputra I Putu Gede Wiramahendra I Putu Haris Parwita I Putu Oka Adi Atmaja I Putu Rusdi Eka Pratama I Putu Setiawan Ivan Baskara I Putu Suwantara I Putu Utama Putra I Putu Widya Laksana Pendit I Putu Wina Wirawan I Putu Yoga Eka Putra Gunawan I Putu Yoga Febrian Cahya I Putu Yogi Saputra I Wayan Agus Grahadi Putra I Wayan Agus Paramartha I Wayan Agus Rama I Wayan Arthanaya I Wayan Bayu Suta I Wayan Egiarta Pramudana I Wayan Eka Yasa I Wayan Ery Prayana Murtiawan I Wayan Gde Wiryawan I Wayan Gede Alfitra Surya Wijaya I Wayan Gede Purnayasa Wijaya I Wayan Gede Purnayasa Wijaya I Wayan Gede Swecana I Wayan Ika Suyun Yastika I Wayan Indra Adi Wicaksana I Wayan Jimmy Artana I Wayan Kartika Jaya Utama I Wayan Mutra I Wayan Pande Eka Trisna I Wayan Parandika I Wayan Pebriyana I Wayan Rideng I Wayan Suambara I Wayan Sujana I Wayan Suka Wirawan I Wayan Tika Tambunan I Wayan Wahyu Wisnanta I Wayan Werasmana Sancaya I Wayan Wesna Astara I Wayan Yudi Antara Putra I. B. Gde Agustya Mahaputra I.G.A Bela Indah Komala Yusianadewi Ida Ayu Anggun Tri Apsari Ida Ayu Chandra Cintiadewi Ida Ayu Cintiya Kencana Dewi Ida Ayu Gede Putri Satrianingsih IDA AYU NGURAH KEMENUH Ida Ayu Putu Purnam Asri Ida Ayu Putu Tania Krisna Dewi Ida Ayu Putu Widiati Ida Ayu Putu Widiati Ida Ayu Putu Widiati Ida Ayu Sri Intan Dwiyanti Ida Bagus Agung Putra Santika Ida Bagus Gede Agustya Mahaputra Ida Bagus Gede Widyana Putra Ida Bagus Gede Wiswamitra Ida Bagus Rama Pratistha IGN. Supartha Djelantik Indah Permatasari Indah Permatasari Indrasari Kresnadjaja Indrasari Kresnadjaja Jacob Davidson Korassa Sonbai Janneta Angela Pangalila Johannes Ibrahim Kosasih Kadek Agus Adi Mego Kadek Anggik Dwiyanti Kadek Apriliani Kadek Apriliani Kadek Ardy Arya Saputra Kadek Ayu Manik Gita Shintadewi Kadek Bagas Piadnyan Kadek Bayu Dinata Putra Kadek Bramanta Rudi Kaze Kadek Cinthya Dwi Lestari Kadek Dani Arditha Perrnana Kadek Darmayanti Putri Kadek Della Ayu Saputri Kadek Devi Arta Adnyani Kadek Dewi Darmayanti Kadek Diah Indrayani Kadek Dio Ramadi Natha Kadek Indra Yuda Kadek Jiyoti Mahayana Kadek Mas Aditya Mahottama Kadek Megah Bintaranny Kadek Ramdhana Wija Dharma Kadek Rizky Aditya Indrabuana Kadek Septian Dharmawan Prastika Kadek Vegas Ananta Sicaya Kadek Yogi Pranata Mulyawan A Karma, Ni Made Sukaryati Kaze, Kadek Bramanta Rudi Kenneth De Lara Lim Ketut Adi Wirawan, Ketut Adi Ketut Arie Jaya Ketut Putri Oka Suari Komang Ayu Sintia Dewi Komang Ayu Windy Widyastari Putri Komang Ayuk Septianingsih Komang Kory Jayani Komang Krisna Hady Saputra Komang Saeramessatya Purwadi Sastra Komang Vegayanthi l Gede Surya Mardita Putra lda Ayu Putu Widiati Leovigildo C. Sentelices Lia Ayu Lestari Linda Vianty Mala Takko Luh Eni Pribadi Luh Putu Sudini Luiza Klementina M Asa Lulus Purna Malintang M Syahrul Bahri Made Andhini Candardevi Made Bagoes Wiranegara Wesna Made Danang Mahendra Gama Made Dharma Laksana Swastika Made Gama Sasmitha Made Indira Sukma Dewi Made Ipunk Dwi Kusuma Made Irnanda Diandifa Lestari Made Isma Amanda Swadesi Made Isma Amanda Swadesi Made Minggu Widiantara Made Putri Laras Sapta Ananda Made Rama Wiguna Primantara Made Restu Hawiwie Made Setiasa Made Setiasa Made Setiasa Made Wisnuyoga Wardana Made Yunanta Hendrayana Madejaya Senastri Mahaputra, I.B. Gd. Agustya Maharani, Ni Putu Desya Mandasari, IA Cynthia Saisaria Marcelo Roland C. Villafuerte May Linda Iswaningsih Mey Anjani Miel S. Bongon Miftakhul Aini N Nursandi Nani Widya Sari Nengah Renaya Nengah Renaya Nengah Renaya Ngurah Aldi Ramaputra Ni Gusti Ketut Sri Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Gusti Ketut Sri Astiti Ni Kadek Ani Ni Kadek Arisya Citra Repinta Ni Kadek Ayu Padmi Ari Sudewi Ni Kadek Dhea Pratiwi Duarsa Ni Kadek Emy Kencana Wati Ni Kadek Erika Ni Kadek Iwantari Putri Ni Kadek Marantina Dewi Ni Kadek Mirayati Ni Kadek Purnama Dewi Ni Kadek Riawati Ni Kadek Sinta Dewi Ni Kadek Sofia Arianti Ni Kadek Wulan Juliandini Ni Kadek Yunika Pramesti Ni Ketut Rahayu Utami Laksmidewi Ni Komang Sutha Yudiansari Ni Komang Trisna Desinta Ni Komang Wulan Prayatni Kana Ni Komang Yolla Jonewabar Sanjiwani Ni Luh Ari Andini Adnyana Ni Luh Debby Srinitha Mulyani Ni Luh Fitri Ni Luh Gede Suwarni Ni Luh Kadek Dwi Fenny Febriyanti Ni Luh Made Mahendrawati Ni Luh Putu Ayu Cahyani Ni Luh Putu Ayu Cahyani Ni Luh Putu Manik Suryani Ni Luh Sintya Damayanti Ni Luh Supadmi Ni Made Ayu Dwi Ardani Ni Made Ayu Pratiwi Ni Made Debi Ade Viskesia Ni Made Febby Savitri Dwi Cahyani Ni Made Harini Ni Made Lady Ruslya Ni Made Mirah Dwi Lestari Ni Made Pupspasutari Ujianti Ni Made Puspa Sutari Ujianti Ni Made Puspa Sutari Ujianti Ni Made Puspa Sutari Ujianti Ni Made Puspa Sutariujianti Ni Made Puspasutari Ujianti Ni Made Puspasutari Ujianti Ni Made Puspasutari Ujianti Ni Made Puspasutari Ujianti Ni Made Puspasutari Ujianti Ni Made Puspasutari Ujianti Ni Made Puspautari Ujianti Ni Made Puspautari Ujianti Ni Made Ratih Prameswari Ni Made Septyawati Ni Made Seri Wahyuni Dewi Ni Made Sinthya Kusuma Arisanthi Ni Made Sintia Tarisa Ni Made Spasutari Ujianti Ni Made Sukariyati Karma Ni Made Tessa Aprillia Dewi Ni Made Vira Vija Rahmasari Ni Made Yuli Ratna Dewi Ni Made Yunika Andrini Ni Made Yunika Andrini Ni Nyoman Alit Meilinda Suasthi Ni Nyoman Alit Meilinda Suasthi Ni Nyoman Ayu Ratih Ganitri Ni Nyoman Wulan Prasintya Putri Ni Putu Alya Regina Putri Ni Putu Ayu Diah Novianti Ni Putu Dea Oktaviani Dewi Ni Putu Denisya Ni Putu Dyah Ayu Karina Prabandari Ni Putu Elisa Pebriyanti Putri Ni Putu Erni Novayanti Putri Ni Putu Gita Padmayani Ni Putu Nita Erlina Sari Ni Putu Rai Santi Pradnyani Ni Putu Trisna Dewi Ni Putu Wirastha Wisnuswari Ni Wayan Sukalandari Nuarta, I Nengah Nurin Fitriana Ulfa Nyoman Andhi Priyambawa Nyoman Chrisna Dewi Asmarani Nyoman Gede Antaguna Oksidelfa Yanto Pande Bagus Yoga Pratama Putra Pande Gede Gita Putra Nugraha Pande Gede Gita Putra Nugraha Pande Gede Mantra Artha Wicaksana Pande Nyoman Jaya Budiarta Parandita, Anak Agung Ngurah Jlantik Parmila, I Putu Permatasari, Made Intan Philipus Dian Anjaraka Prabowo Wijayanto Prasetyo Ramanda Prima Maria Fatima Bana Putu Agung Surya Prawira Putu Agus Wiyoga Dana Putra Putu Angelita Putri Putu Anggelita Putri Putu Ayu Candradiva Saraswati Putu Ayu Devi Kardila Putu Ayu Sriasih Wesna Putu Ayuk Sapta Agustini Putu Bagus Gandiwa Dhanandjaya Putu Berliana Prema Swari Putu Chandra Arta Dharma Putu Indri Sri Giyanthi Putu Inten Kanaya Putu Mia Tyska Permata Sari Putu Nita Yulistian Putu Rahayu Purnamasari Putu Sintya Pratiwi Manikashanti Putu Suryani . Putu Suwantara Putu Widhiatmika Coryka R.A. Nanik Priatini R.A. Nanik Priatini Rafizah Abu Hassan Rahmat Mohamad Rahul Maulana Rai Dharma Utama Ratih Cahya Pramitasari Ratih Wedhasari Ratu Muti’ah Ilmalia Ratu Muti’ah Ilmalia Renaya, Nengah Riadhi Tedi Putra Riberio, Leonito Ricky Kusnadi Robertus Berli Puryanto Robiatul Adawiyah Rofi Kurniawan Rustandi Ryan Soma Ryan Soma Ryskiaden Markus Sarasota Tomasoa Selamet, I Ketut Senastri, Ni Made Jaya Siti Aishah Siti Hafsyah Idris Siti Romlah Styawati, Ni Komang Arini Sugiartha, I Nyoman Gede Sujana, I Nyoman Sumardika, I Nyoman Suryani, Luh Putu Tjokorda Gede Agung Sayogaditya Widya Pramana Putra Ujianti, Ni Made Puspasutari Ulil Azmi Victoria Bellanique Solang Wanda Shicilya Wibisana, Anak Agung Ngurah Adhi Widhiatmika Coryka Widiati, Ida Ayu Putu Wijaya, I Kadek Merta Wikrama, A.A. Gede Agung Andika Yoga Wira Pranata Yogi Kristanto Yosef Primus Bana Yoshua Pramana Kawi