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JURIDICAL IMPLEMENTATION OF LOSS OF CERTIFICATE OF DEPENDENCY RIGHTS IN THE ROYA PROCESS Teguh Pribadi; Fikri Nugraha; Ulipah Ulipah; Irma Maulida
Jurnal Abdisci Vol 3 No 1 (2025): Vol 3 No 1 Tahun 2025
Publisher : Ann Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62885/abdisci.v3i1.723

Abstract

Abstract: Background. In daily life, many people buy houses or land through credit from banks. When the certificate is used as collateral, dependent rights will be recorded on the certificate. After the debt is paid off, the landowner must delete the Dependent Rights through roya at the National Land Agency (BPN). Roya can be done after the debt guaranteed in the main agreement has been paid off. However, if the certificate of dependency rights is lost, then a Roya Consent Deed made by a notary is needed instead. Aims. This study discusses the juridical implementation of the loss of the Right of Dependency certificate in the Roya process, namely the removal of the Right of Dependency from the land book due to debt repayment by the debtor. In practice, the lost Dependent Rights certificate raises administrative problems, because the certificate is a valid written evidence in the ROYA process. However, based on the provisions of land law and technical policies of the Land Office, roya can still be implemented as long as the applicant, both creditors and debtors with the approval of the creditors, can meet formal requirements such as a loss report from the police, a statement of absolute responsibility, and proof of payment of debt obligations. Methods. This study uses a normative juridical approach with secondary data sources from laws, regulations, and land administration documents. Result. The study's results show that the Land Office can still process roya without a certificate of Dependent Rights as long as all procedures and supporting documents are met. Conclusion. This reflects applying the principles of legal certainty, protection of civil rights, and efficiency in public services in the land sector. Implementation. This reflects the law's flexibility in answering practical problems in the field while emphasizing the Land Office's active role in ensuring legal protection for all parties involved in the transfer and abolition of land rights.
Consumer Legal Protection Against Investment Practices Under the Guise of Hajj and Umrah: A Review of Law Number 8 of 1999 Concerning Consumer Protection Ulipah Ulipah; Rois Harliyanto
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 5 No. 7 (2026): Injurity: Interdiciplinary Journal and Humanity
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v5i7.1549

Abstract

This study aims to analyze the forms of legal protection for consumers and the legal liability of business actors in investment practices disguised as Umrah services, viewed from Law Number 8 of 1999 concerning Consumer Protection. This research employs a normative legal method with statutory and conceptual approaches, supported by primary, secondary, and tertiary legal materials. The results indicate that consumer protection in such practices consists of two forms, namely preventive protection through education, supervision, and transparency of information, and repressive protection through the imposition of sanctions and compensation for consumers. However, in practice, such protection has not been effectively implemented, as reflected in the case of PT Global Insani, which shows an imbalance between consumers and business actors as well as limitations in fulfilling consumer rights. The legal liability of business actors includes civil, administrative, and criminal responsibilities. Although normatively business actors are required to fully compensate consumer losses, in practice such responsibilities are often not optimally fulfilled. Therefore, strengthening supervision, law enforcement, and consumer awareness is necessary to achieve effective legal protection.
Co-Authors Fikri Nugraha Irma Maulida Rois Harliyanto Teguh Pribadi