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Abstract
Restructuring digitization of land offices is a demand in the development of digital transformation which has consequences related to the authority and responsibilities of the ATR/BPN ministry to respond to challenges in the field of information technology, one of which is the implementation of mortgage rights electronically. Therefore, an interest arose for the author to conduct research with a focus on, among other things: first, Electronic Mortgage Services after the entry into force of the ATR/BPN Ministerial Regulation Number 5 of 2020 Concerning Electronic Integrated Mortgage Services at the Yogyakarta City Land Office has been carried out according to the rules, second, what are the obstacles encountered by the Yogyakarta City Land Office and the solutions to these obstacles. The results of this study were: first, the implementation of HT-el at the Yogyakarta City Land Office by the Regulation of the Minister of ATR/Head of BPN Number 5 of 2020. Starting from work validating data, and ending verifying files. Second, the obstacle faced by the Yogyakarta City Land Office are from the PPAT, bank, and the Yogyakarta City Land Office. What often happens is a problem with a server error, then if the Mortgage can sometimes exceed the allotted time, the fee that has been paid to the Land Office cannot be returned. However, with the issuance of this Ministerial Regulation, in the event of an emergency (force majeure), the money that has been paid can be returned.
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References
Alur Layanan Hak Tanggungan Elektronik dalam https://bpnbuleleng.id/syarat-dan-biaya, akses 12 Fabruari 2023.
Borg. Robert C, Participant Observation in Organization Setting, (New York, Syracuse University Press, 1972).
Damar Sagari, Mujiati, “Efektivitas Layanan Hak Tanggungan Terintegrasi Secara Elektronik Di Kantor Pertanahan Kabupaten Klaten”, Jurnal Tunas Agraria, Vol. 5 No. 1, Januari 2022.
Faqih, M. “Nilai-Nilai Filosofi Putusan Mahkamah Konstitusi Yang Final dan Mengikat”. Jurnal Konstitusi, Vol. 7. Nomor 3, 2010.
Habib Adjie, Hak Tanggungan Sebagai Lembaga Jaminan Atas Tanah, Edisi Revisi, Bandung, Mandar Maju, 2018.
Hasil Wawancara Kepala Kantor ATR/BPN Kota Yogayakarta 10 Desember 2022, Pukul 10.00 WIB.
Hermansyah, Hukum Perbankan Nasional Indonesia, Jakarta:Kencana Prenada Media Group, 2009.
I Wayan Jody Bagus Wiguna, “Tinjauan Yuridis Terkait Pendaftaran Hak Tanggungan Secara Elektronik”, Jurnal Hukum Kenotariatan, Volume 1, Nomor 1 April 2022.
Liany Fitria Ramaadanni, “Peranan Hak Atas Tanah Sebagai Jaminan Pertanggungan Dalam Perjanjian Pemberian Kredit”, Jurnal Pendidikan Dasar dan Sosial Humaniora, Vol. 2, No. 7, 2023
Low, R. “Maintaining the integrity of the Torrens system in a digital environment: A Comparative Overview Of The Safeguards Used Within The Electronic Land Systems in Canada, New Zealand, United Kingdom and Singapore,” Australian Property Law Journal, 11 No. 2, 2005.
Madeleine Darmawan, dkk, “Pembebanan Hak Tanggungan pada Hak Guna Bangunan diatas Hak Milik”, Al-Manhaj Jurnal Hukum dan Permata Soisal Isalaam, Vol. 5 No. 1, 2023.
Moleong, Lexi J, Metode Penelitian Kualitatif, Bandung, PT. Remaja Rosdakarya, 1999).
Nailu Vina Amaliadkk, Analisis Ketentuan Hak Tanggungan Elektronik pada Peraturan Menteri Agraria dan Tata Ruang Nomor 5 Tahun 2020 tentang Pelayanan Hak Tanggungan, Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan, Volume 5, 29 Desember 2020.
Nam Cho Byong etc, Land Management Information System in Korea, Korean Reaserch Institute For Human Settlements, 2004.
Nur Azizah, Pendaftaran Hak Tanggungan Secara Elektronik (Studi di Kantor PPAT Wilayah Banjarmasin Utara)”, Jurnal NoLaJ, Vol. 1 Issue 2, April 2022.
Pandam Nurwulan, “Implementasi pelayanan Hak Tanggungan Elektronik bagi kreditor dan pejabat pembuat akta tanah”, Jurnal Ius Qia Iustum, Vol. 28 Issue 1, Januari 2021
Permen Agraria dan Tata Ruang/Badan Pertanahan Nasional Nomor 5 Tahun 2020.
Salim HS, Perkembangan Hukum Jaminan di Indonesia, Jakarta: PT. Raja Grafindo Persada, 2004.
Sari, I. G. A. D., Wairocana, I. G. N., & Resen, M. G. S. K. (2018). Kewenangan Notaris Dan PPAT Dalam Proses Pemberian Hak Guna Bangunan Atas Tanah Hak Milik. Acta Comitas: Jurnal Hukum Kenotariatan, Vol 3, Nomor 1.
Sri Wahyuni, dkk, “Perlindungan Hukum Bagi Pihak Debitor Dan Kreditor Baru Pada Proses Take Over Atas Roya HT-El Yang Dilakukan Oleh Kreditor Lama”, Unnes Law Review, Vol. 5, No. 4, 2023.
Syamsudin, M, Mahir Meneliti Permasalahan Hukum, Kencana, Jakarta, 2021.
Thomas Suyatno dkk, Dasar-Dasar Perkreditan, Jakarta: PT. Gramedia, 1993.