Analisis Hukum Tentang Pelayanan Hak Tanggungan Terintegrasi Secara Elektronik Menurut Undang-undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan

Alwi, Eka Yulianti (2020) Analisis Hukum Tentang Pelayanan Hak Tanggungan Terintegrasi Secara Elektronik Menurut Undang-undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan. Masters thesis, Universitas Islam Riau.

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Abstract

ABSTRACT Integrated Electronic Mortgage Services (HT-el System) is a series of mortgage service processes for maintaining land registration data through an integrated electronic system. The HT-el system is regulated by a Ministerial Regulation and comes into force since 21 June 2019 by regulating special requirements in the form of a mortgage provider who must be the debtor himself, but since 8 July 2020, the HT-el system is carried out as a whole for all land that has been registered in The Land Office, either on behalf of the debtor or on behalf of the debtor's debt guarantor. The comprehensive HT-el system causes manual registration of Mortgage Rights to no longer be enforced because HT e-services are only based on certified land rights and do not apply to objects of Mortgage Rights originating from the conversion of old rights. Formulation of the problem, namely How the Legal Analysis of Integrated Mortgage Services Electronically According to Law Number 4 of 1996 concerning Mortgage Rights, How to Implement Electronic Integrated Mortgage Registration through the HT-el System and What Barriers Found by Registered Users in Registration Mortgage Integrated Electronically Through the HT-el System. This type of research is Normative-Empirical legal research. The nature of the research is descriptive research, while the data analysis uses a qualitative approach. There is an inconsistency between the provisions in HT-el Services and those ordered by the UUHT. Related to the Tiered Norms theory, a lower Ministerial Regulation seeks its legal force in law with a higher position, namely the UUHT. PPAT and Banks are required to update data and validate independently, register accounts on the ATR / BPN Partner Application, in order to use HT-el System services. Apart from the force forwarder, the application for HT-el services is declared canceled if the server experiences a blackout, services provided by other agencies are not connected, and the communication network to the server is cut.

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