This research examines the position of Letter C in the ownership of land rights and legal protection for creditors in credit agreements with Letter C collateral. The findings show that the use of Letter C as credit collateral has a high risk for creditors because it does not provide strong legal certainty. The process of registering land with Letter C at the National Land Agency also takes a long time, adding to the uncertainty for creditors. This research aims to provide recommendations on better legal protection for creditors who receive collateral in the form of uncertified land.
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