Problems of Electronic Mortgage Registration at the PPAT Office of Kendal Regency

Abstract

Entering the digital era, the Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (BPN) has launched electronic land services including digital or electronic mortgage services. The purpose of this study is to determine and analyze the problems of electronic mortgage registration at the PPAT Office of Kendal Regency. The method used by the researcher is empirical juridical. The sources and types of data in this study are primary data obtained from interviews and secondary data obtained from the Laws and Regulations in force in Indonesia. Based on the results of the study, electronic mortgage registration at the PPAT Office of Kendal Regency is that the granting of mortgage rights carried out electronically can be done anytime and anywhere so that the debtor, PPAT and land office can adjust to their respective times. Electronic registration of mortgage rights also makes it easier for PPAT to impose mortgage rights on collateral objects, because it is faster than using manual registration by coming to the land office. In its implementation, there are still difficulties in inputting and uploading documents, so that the principles of timeliness, speed and convenience have not been achieved, which have been stipulated in the Regulation of the Minister of Agrarian Affairs and Spatial Planning/Head of the National Land Agency Number 9 of 2019 concerning Integrated Electronic Mortgage Rights Services. It is better to make improvements/updates to the system on one day for several months, so that the mortgage rights system does not experience weak networks every day. For PPAT, it is better to use files according to the document size that has been determined by the land office. So that the system can read and successfully upload documents quickly.