The Effectiveness of Electronic Mortgage Registration in Klaten Regency

Abstract

The need for electronic registration of mortgage rights, with various weaknesses regarding the management of digital-based mortgage registration, in its development will give rise to ineffectiveness in society. The aim of this research is to determine and analyze: 1) The effectiveness of the current implementation of electronic mortgage registration. 2) Factors that influence the effectiveness of the current implementation of electronic mortgage registration. The approach method used in discussing this research problem is the normative juridical approach method. The research specifications used are analytical descriptive research. This type of data uses secondary data. The data analysis method used in this research is qualitative data analysis. The research results concluded: 1) The effectiveness of the implementation of electronic mortgage registration is currently not fully effective, because there are still several obstacles or obstacles. Not all registration of electronic mortgage rights has been carried out in accordance with the procedures stated in the HT-el Technical Guidelines. However, in order for the law to apply effectively, of course there are obstacles both internal and external related to the implementation of mortgage rights registration using electronic means, so it is necessary to find solutions to overcome these obstacles. After going through various obstacles in carrying out electronic registration, in general since the implementation of electronic registration it has been more effective and efficient amidst the Covid-19 pandemic. We continue to try to overcome obstacles so that everything runs smoothly. 2) Factors that influence the effectiveness of the implementation of electronic mortgage registration currently consist of juridical and non-juridical factors. Juridical factors include checking documents which takes a long time, and electronic HT applications which still often have errors, while non-juridical factors include many PPATs which have not been verified so they cannot access the HT-el application, banking human resources which are still slow, and PPATs which are not yet enthusiastic in HT-el service because it is considered more difficult.