Open AccessPelaksanaan Layanan Hak Tanggungan Terintegrasi Secara Elektronik
Author(s) -
Agata Tri Putri Margaret,
Sapardiyono Sapardiyono
Publication year - 2021
Publication title -
widya bhumi
Language(s) - English
Resource type - Journals
ISSN - 1412-7318
DOI - 10.31292/wb.v1i2.14
Subject(s) - deed , debtor , certificate , creditor , business , service (business) , payment , computer security , computer science , finance , law , political science , marketing , debt , algorithm
The HT-el service has been implemented nationally since April 2020, which in its implementation involves other parties such as Land Deed Maker Officials and Creditors as working partners. The purpose of this study is to describe the service mechanism, problems, and efforts to resolve the HT-el service with a location at the Land Office of Tanjung Jabung Barat Regency. This study uses a qualitative method with a descriptive approach to be able to see and understand the real conditions of the object under study. The results of the study found that the HT-el service mechanism had not been fully implemented in accordance with applicable regulations, for example, the existence of an HT-el certificate that was issued without going through an inspection process, accounts run by non-account owners, payment of deposit orders made by the bank (creditor). Problems faced by PPAT, Creditors and Kantah such as: internet network disturbances, the uploaded application file is not appropriate, ranking errors because the validation has not been completely correct, the online checking process cannot be carried out because all land parcel certificates have not been validated, NIK of the debtor or the approval party does not match, the deed code is not found in the HT-el system. Keywords: Electronic Mortgage, PPAT, Bank INTISARILayanan HT-el dilaksanakan secara nasional sejak bulan April 2020, yang dalam pelaksanaannya melibatkan pihak lain seperti Pejabat Pembuat Akta Tanah dan Kreditor sebagai mitra kerjanya. Tujuan penelitian ini adalah mendeskripsikan mekanisme layanan, permasalahan dan upaya penyelesaian terhadap layanan HT-el dengan lokasi di Kantor Pertanahan Kabupaten Tanjung Jabung Barat. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif agar dapat melihat dan memahami kondisi secara nyata terhadap objek yang diteliti. Hasil penelitian menemukan bahwa mekanisme layanan HT-el belum sepenuhnya dilakukan sesuai dengan ketentuan yang berlaku, misalnya adanya sertipikat HT-el yang terbit tanpa melalui proses pemeriksaan, akun yang dijalankan oleh bukan pemilik akun, pembayaran Surat Perintah Setor dilakukan oleh pihak Bank (Kreditor). Permasalahan yang dihadapi oleh PPAT, Kreditor dan Kantah seperti: gangguan jaringan internet, berkas permohonan yang diunggah belum sesuai, kesalahan peringkat karena validasi yang dilakukan belum sepenuhnya benar datanya, proses pengecekan secara online tidak dapat dilakukan karena belum tervalidasinya seluruh sertipikat bidang tanah, NIK dari Debitor ataupun pihak persetujuan tidak sesuai, Kode akta tidak ditemukan pada sistem HT-el.Kata Kunci: Hak Tanggungan elektronik, PPAT, Kreditor