Main Article Content

Abstract

This research was conducted to analyze the role of the Notary and Land Titles Registrar (PPAT) in the drafting of the deed of financing a home ownership through a Sharia Bank and what obstacles were experienced in the financing method. This research uses a normative approach with a literature study supported by the results of the interview. The results show that the Notary has a different role when becoming a partner of Bank Muamalah Yogyakarta and Bank BTN Yogyakarta. In addition, the Notary also made a certificate of financing recognition, a Purchase Binding Agreement (PPJB), a Buy Back Guarentee Deed, and a Power of Attorney Imposing Mortgage Rights (SKMHT). While the role of PPAT is to make Deed of Sale and Purchase Deed of Mortgage Right (APHT). In making APHT, the PPAT cannot convert into a financing guarantee because its default provisions have been regulated in the Head of the Republic of Indonesia's National Land Agency Regulation No. 8 of 2012 concerning Land Registration, therefore the PPAT still writes it as a debt guarantee. As for several obstacles experienced, among others, the number of customers who do not comprehend the Islamic contract, the absence of one of the parties during the reading and signing of the deed, as well as the process involving BPN which is still too complex that the acceleration method at BPN is often used.

Keywords

Sharia bank land titles registrar (PPAT) home ownership financing notary role

Article Details

How to Cite
Asmara DM., H. (2019). Peran Notaris-PPAT dalam Pembuatan Akta Pembiayaan Kepemilikan Rumah Melalui Bank Syariah. Lex Renaissance, 3(2), 391–406. https://doi.org/10.20885/JLR.vol3.iss2.art9

References

  1. Buku
  2. Adjie, Habib, Kebatalan Dan Pembatalan Akta Notaris, PT Refika Aditama, Bandung, 2011.
  3. Anshori, Abdul Ghofur, Lembaga Kenotariatan Indonesia Prespektif Hukum Dan Etika, UII Press, Yogyakarta, 2009.
  4. Darus, M. Luthfan Hadi, Hukum Notariat dan Tanggungjawab Jabatan Notaris, UII Press, Yogyakarta, 2017.
  5. H.S., Salim, Teknik Pembuatan Akta Pejabat Pembuat Akta Tanah (PPAT), PT Raja Grafindo Persada, Jakarta, 2016.
  6. Syamsudin, M., Operasionalisasi Penelitian Hukum, PT Rajarafindo Persada, Jakarta, 2007.
  7. Undang-Undang
  8. Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan atas Tanah Beserta Benda-Benda yang Berkaitan dengan Tanah.
  9. Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris.
  10. Undang-Undang Nomor 2 Tahun 2014 tentang Jabatan Notaris.
  11. Lain-Lain
  12. Kode Etik Pejabat Pembuat Akta Tanah, Pengubahan ke-II hasil penyesuaian dengan perubahan Anggaran Dasar Keputusan Kongres IV IPPAT di Surabaya tanggal 31 Agustus- 1 September 2007.