Setiawan Wicaksono, Setiawan
Fakultas Hukum Universitas Brawijaya, Malang, Indonesia

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Implementation of Subsidized Housing Transfer Regulations Before Five Years: An Empirical Study on Subsidized Housing in Tangerang: Implementasi Pengaturan Peralihan Rumah Subsidi Sebelum Lima Tahun: Studi Empiris pada Perumahan Subsidi di Tangerang Putri, Ananda Salasa; Herlindah; Wicaksono, Setiawan
WARKAT Vol. 5 No. 2 (2025): Desember
Publisher : Faculty of Law, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/warkat.v5n2.2

Abstract

Subsidized housing is a government-initiated housing program aimed at providing decent, affordable housing for low-income communities (MBR) to support family welfare. Article 55 paragraph (1) letter b of Law Number 6 of 2023, which ratifies Government Regulation in Lieu of Law Number 2 of 2022 on Job Creation, clearly prohibits the transfer of ownership of subsidized houses by recipients within five years. However, field findings indicate that early transfers still occur, both covertly and through informal agreements. This study aims to examine the implementation of this legal provision, specifically in subsidized housing in the Tangerang region. The research uses an empirical legal method with a sociological juridical approach. The findings show that the implementation has not been optimal. Legal violations persist, influenced by weak oversight and limited public understanding of the legal restrictions on subsidized housing transfers. Additional challenges include lack of inter-agency coordination and weak law enforcement. Recommended solutions include enhancing legal education for beneficiaries, strengthening supervision by relevant institutions, and developing a digital-based monitoring and reporting system to prevent future violations.
Problematika Penentuan Frasa “Pihak yang Berkepentingan” Dalam Pasal 20 Ayat (3) UU Hak Tanggungan: Problematics in Determining the Phrase “Interested Parties” in Article 20 Paragraph (3) of the Mortgage Law Febriana, Oktavian Silva; Wicaksono, Setiawan
WARKAT Vol. 6 No. 1 (2026): Juni
Publisher : Faculty of Law, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/warkat.v6n1.4

Abstract

The phrase “interested parties” in Article 20 paragraph (3) of Law Number 4 of 1996 concerning Mortgage Rights (Hak Tanggungan) is not accompanied by a clear normative limitation. This lack of clarity has led to divergent interpretations in judicial practice and has the potential to create legal uncertainty in the execution of mortgage objects through private sale. Within the framework of a security rights system that emphasizes legal certainty and the effectiveness of enforcement, such normative ambiguity becomes problematic, as it may trigger disputes and inconsistencies in court decisions. This study aims to analyze the forms of normative vagueness inherent in the phrase and to formulate juridical limitations consistent with the principle of legal certainty. The research employs a normative juridical method using statutory, conceptual, and case approaches. The analysis is conducted through grammatical, systematic, and conceptual interpretation of primary and secondary legal materials in order to identify the locus of ambiguity and its implications. The findings demonstrate that the phrase “interested parties” cannot be interpreted broadly without limitation, but must be restricted to legal subjects who possess a direct legal relationship with the mortgaged object and who face a measurable and objectively verifiable juridical risk of loss. Normative reconstruction is therefore necessary through a more limitative and operational formulation to ensure legal certainty, predictability of application, consistency of judicial decisions, and balanced legal protection for the parties within the national financing system.