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All Journal LEX ET SOCIETATIS POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI)
Grace H. Tampongangoy, Grace H.
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Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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PENEGAKAN HUKUM DI KAWASAN PERBATASAN INDONESIA Tampongangoy, Grace H.
LEX ET SOCIETATIS Vol 4, No 5 (2016): Lex Et Societatis
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35796/les.v4i5.11949

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui bagaimana pelanggaran-pelanggaran hukum di kawasan perbatasan wilayah negara Republik Indonesia dan bagaimana penegakan hukum di kawasan perbatasan wilayah negara Republik Indonesia. Dengan menggunakan metode penelitian yuridis normatif disimpulkan: 1. Pelanggaran-pelanggaran hukum di kawasan perbatasan negara Republik  Indonesia terjadi apabila ada pihak yang melakukan upaya menghilangkan, merusak, mengubah, atau memindahkan tanda-tanda batas negara, atau melakukan pengurangan luas wilayah negara atau melakukan tindakan lain yang mengakibatkan tanda-tanda batas tersebut tidak berfungsi. Bagi pihak yang melanggarnya dapat dikenakan sanksi pidana penjara dan pidana denda sesuai dengan jenis perbuatan yang dilakukan. Apabila dilakukan oleh korporasi, dipidana dengan pidana denda ditambah 1/3 (sepertiga) dari jumlah denda dan pidana tambahan berupa pencabutan izin usaha sebagaimana diatur dalam Undang-Undang Nomor 43 Tahun 2008 tentang Wilayah Negara dan peraturan perundang-undangan lainnya yang berlaku. Pelanggara-pelanggaran hukum lainnya seperti; pencemaran dan perusakan lingkungan, pencurian ikan, penyelundupan barang dan manusia, tindakan perompakan. 2. Penegakan hukum di kawasan perbatasan negara Republik Indonesia dilaksanakan melalui kerjasama antara aparatur hukum, Badan Pengelolaan Kawasan Perbatasan Nasional dan Badan Pengelola daera termasuk Badan Keamanan Laut. Diperlukan peningkatan sarana dan prasarana untuk pengelolaan, pengawasan dan penindakan terhadap pelanggaran-pelanggaran hukum yang terjadi di kawasan perbatasan baik dari aspek pendekatan kesejahteraan bagi masyarakat dan pendekatan keamanan untuk menunjang pelaksanaan penegakan hukum secara maksimal di kawasan perbatasan Negara Republik Indonesia. Kata kunci: Penegakan hukum, kawasan perbatasan.
Legal Certainty for Creditors on Subsidized Home Ownership Loan Collateral Based on Law Number 4 of 1996 Concerning Mortgage Rights Suwarsono, Maria Angelina; Maramis, Ronny A.; Tampongangoy, Grace H.
POLICY, LAW, NOTARY AND REGULATORY ISSUES Vol. 4 No. 4 (2025): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/polri.v4i4.1991

Abstract

Subsidized Mortgage (KPR) serves as a crucial government policy instrument aimed at fulfilling the housing needs of low-income communities. This financing scheme involves a credit agreement between banks and debtors, where the main collateral is secured through Mortgage Rights over land, formalized via a Deed of Granting Mortgage Rights (APHT). However, in practice, delays in executing APHT are common, prompting banks to initially use a Power of Attorney to Encumber Mortgage Rights (SKMHT). This practice raises concerns regarding legal certainty for creditors, especially when debtors default while the mortgage rights have not been formally registered. Such issues are reflected in the high rate of Non-Performing Loans (NPL) and unresolved certificate issuance cases. This research aims to analyze the legal regulation of collateral in Subsidized Mortgages based on Law Number 4 of 1996 concerning Mortgage Rights and to examine the juridical implications for creditors when guarantees have not been fully established. The study employs a normative legal research method with a juridical-normative approach, utilizing primary, secondary, and tertiary legal materials analyzed qualitatively through legal identification and doctrinal review. The findings indicate that while Mortgage Rights provide preferential legal standing for creditors, implementation challenges persist due to administrative inefficiencies, delays by Notaries or Land Deed Officials (PPAT), and complications from developers. Although the law grants time flexibility for SKMHT in subsidized mortgage schemes, it inadvertently creates potential legal uncertainty. Therefore, strengthening regulatory enforcement, expediting APHT processes, and enhancing oversight mechanisms are imperative to ensure legal certainty and protection for all stakeholders.
Co-Authors Ronny A. Maramis Suwarsono, Maria Angelina