Perlindungan Hukum Bagi Kreditur dalam Perjanjian Kredit dengan Jaminan Hak Tanggungan Sertifikat Tanah

Andriano, Diki
Gufran
Irwansah, Didik

Jurnal Hukum Lex Generalis
Vol 6 No 9 (2025): Tema Hukum Agraria dan Pertanahan

Credit agreements secured by land certificate mortgage rights are key legal instruments in financial lending. In practice, legal protection for creditors often faces obstacles such as land disputes and enforcement delays. This study reveals that although creditors are legally protected under the Mortgage Law, its implementation remains suboptimal. It concludes that legal protection for creditors must be reinforced through administrative certainty in land registration and more effective mortgage enforcement mechanisms.