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All Journal Journal of Humanities and Social Studies Golden Ratio of Data in Summary
Meutia, Irviana
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Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Implementation of Executorial Title Towards Auctions on Credit Guarantees for House Ownership as Reviewed from Law Number 4 of 1996 Concerning Mortgage Rights on Land and Objects Related to Land Meutia, Irviana; Barus, Theresia Juliana Ngarakken; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.908

Abstract

The need for housing has now become mandatory. The credit scheme will make it easier for everyone to own a house by guaranteeing the legality of land rights burdened with mortgage rights. However, not everyone who has applied for credit always complies with the terms agreed in the Credit Agreement. One example is a debtor who breaks his promise or defaults by not paying installments so that the bank, as a creditor, confiscates the object of collateral. To pay the debtor’s remaining debt until repayment, the bank sells the collateral object belonging to the debtor by auction. The bank carries out this auction based on the executorial power attached to the Mortgage Rights Certificate so that the bank does not need to submit a request or lawsuit to the court because the executorial power of the Mortgage Rights Certificate is the same as a court decision with permanent legal force.
Implementation of Executorial Title Towards Auctions on Credit Guarantees for House Ownership as Reviewed from Law Number 4 of 1996 Concerning Mortgage Rights on Land and Objects Related to Land Meutia, Irviana; Barus, Theresia Juliana Ngarakken; Maskanah, Ummi
Golden Ratio of Data in Summary Vol. 5 No. 1 (2025): November - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i1.908

Abstract

The need for housing has now become mandatory. The credit scheme will make it easier for everyone to own a house by guaranteeing the legality of land rights burdened with mortgage rights. However, not everyone who has applied for credit always complies with the terms agreed in the Credit Agreement. One example is a debtor who breaks his promise or defaults by not paying installments so that the bank, as a creditor, confiscates the object of collateral. To pay the debtor’s remaining debt until repayment, the bank sells the collateral object belonging to the debtor by auction. The bank carries out this auction based on the executorial power attached to the Mortgage Rights Certificate so that the bank does not need to submit a request or lawsuit to the court because the executorial power of the Mortgage Rights Certificate is the same as a court decision with permanent legal force.
Legal Responsibility Of Land Deed Officials (PPAT) In The Implementation Of Government Regulation In Lieu Law (Perpu) Number 56 Of 1960 Concerning The Determination Of Agricultural Land Area Noor, Aslan; Salsabilla, Ainul Mardiyah; Meutia, Irviana; Subrata, Nabila Djuliana Suria; Saraswati, Nabila Trina Saumah
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2. (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2..12732

Abstract

Land reform policy is a strategic step towards creating equitable land ownership and eliminating agrarian inequality. In its implementation, Land Deed Officials (PPAT) play an important role because the deeds they draw up form the legal basis for the transfer or encumbrance of land rights. This study aims to analyse the role of PPAT, the form of their legal responsibility, and the obstacles in the implementation of land reform. This study uses a normative juridical method with a legislative, conceptual, and case approach. The results of the study show that PPATs have administrative, civil, and criminal legal responsibilities, but practices in the field face various obstacles, such as weak supervision, limited land data, and potential violations of the code of ethics. Therefore, strengthening regulations, digitising land administration, and improving the integrity of PPATs are necessary to achieve the objectives of land reform.
Co-Authors Aslan Noor Barus, Theresia Juliana Ngarakken Hj. Ummi Maskanah Salsabilla, Ainul Mardiyah Saraswati, Nabila Trina Saumah Subrata, Nabila Djuliana Suria