Analisis Yuridis Penggunaan Sertifikat Tanah Milik Orang Lain Sebagai Jaminan Utang Piutang
Abstract
The use of land certificates owned by other people as collateral in debt transactions is a common practice in society, but it raises various legal issues. This study aims to analyze the legal validity, legal implications, and legal protection for the parties involved, especially land certificate owners who are not debtors. This study was conducted with a normative approach that refers to the provisions of the Civil Code, the Basic Agrarian Law, and other related regulations. The results of the analysis show that the use of land certificates owned by other people can be considered valid if it is based on a clear written agreement and explicit consent from the certificate owner. However, these practices are at risk of causing disputes if the agreement does not meet the requirements for a valid agreement in civil law or there is misuse of collateral by the debtor. In addition, legal protection for land certificate owners who are not directly involved in the transaction is still less than optimal, so it is necessary to strengthen regulations and administrative procedures to ensure legal certainty. This study recommends the need for stricter regulations regarding the use of land certificates as collateral, including the obligation to record agreements at the land office and an effective legal protection mechanism for land owners. Thus, it is hoped that this practice can be carried out safely and in accordance with applicable legal principles.
Keywords
Full Text:
PDFReferences
Anwar, R. K., Al Farizi, S. H., & Kn, M. (2018). Penyelesaian sengketa hak atas tanah yang dijadikan sebagai jaminan kredit di bank (Studi Kasus Putusan Pengadilan Negeri Surakarta No. 171/Pdt/2013/PN. Ska) (Doctoral dissertation, Universitas Muhammadiyah Surakarta).
Harahap, A. (2019). Hak tanggungan dan perlindungan pemilik tanah: Studi kasus sengketa utang piutang. Jurnal Hukum dan Peradilan, 18(2), 67-79. https://doi.org/10.9876/jhp.2019.654321
Klinik Hukumonline. (2020). Implikasi Hukum Penggunaan Sertifikat Tanah sebagai Jaminan Utang. https://www.hukumonline.com
Klinik Hukumonline. (2020). Jerat hukum menjaminkan tanah orang lain tanpa izin.Hukumonline. https://www.hukumonline.com
Nugroho, T. (2018). Praktik penyalahgunaan sertifikat tanah dalam transaksi jaminan kredit. Jurnal Ekonomi dan Hukum, 15(1), 12-20. https://doi.org/10.1122/jeh.2018.123456
Rijal, S. (2019). Perlindungan hukum terhadap pemilik tanah dalam jaminan utang piutang.
Jurnal Hukum & Pembangunan, 8(2), 34-45. https://doi.org/10.1234/jhup.2019.234567
Silviana, A., & Sukirno, S. (2016). Akibat hukum pinjam meminjam sertipikat hak atas tanah untuk dijadikan jaminan utang. Diponegoro Law Journal, 5(3), 1-8. https://doi.org/10.14710/dlj.2016.12188
Santoso, A. (2020). Sengketa jaminan hak tanggungan dalam hukum perdata Indonesia. Jurnal Studi Hukum, 25(4), 101-115. https://doi.org/10.1559/jsh.2020.789101
Wijaya, B. (2017). Analisis hukum terhadap pelaksanaan hak tanggungan pada sertifikat tanah tanpa persetujuan pemilik. Jurnal Hukum Bisnis, 12(3), 223-237. https://doi.org/10.1054/jhb.2017.876543
Effendi Perangin, E. (1987). Praktek Penggunaan Tanah Sebagai Jaminan Kredit. Rajawali Pers.
Harahap, Y. (2003). Hukum Acara Perdata: Tentang Gugatan, Persidangan, Penyitaan, Pembuatan Akta. Elex Media Komputindo.
Subekti, S. (1989). Jaminan-Jaminan untuk Pemberian Kredit Menurut Hukum Indonesia. Citra Aditya Bhakti.
Hukumonline. (2020). Jerat Hukum Menjaminkan Tanah Orang Lain Tanpa Izin. https://www.hukumonline.com
Klinik Hukumonline. (2020). Implikasi Hukum Penggunaan Sertifikat Tanah sebagai Jaminan Utang. https://www.hukumonline.com
DOI: https://doi.org/10.5281/zenodo.14213697
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
E-mail : penerbitdarulhuda@gmail.com
The journal is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.