LEGAL PROTECTION FOR HOME OWNERSHIP LOAN DEBTORS OF BANK TABUNGAN NEGARA FOR THE DELAY IN THE ISSUANCE OF LAND CERTIFICATES AFTER CREDIT REPAYMENT

Raysha Aulia Fazila, . (2025) LEGAL PROTECTION FOR HOME OWNERSHIP LOAN DEBTORS OF BANK TABUNGAN NEGARA FOR THE DELAY IN THE ISSUANCE OF LAND CERTIFICATES AFTER CREDIT REPAYMENT. Journal of Law, Politic and Humanities, 6 (2). pp. 1100-1110. ISSN 2962-2816

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Abstract

Delays in issuing land title certificates after the repayment of Home Ownership Credit create legal uncertainty and losses for debtors. This study examines the legal responsibilities of Bank Tabungan Negara and the National Land Agency, determines whether such delays constitute default or unlawful acts and evaluates the effectiveness of dispute resolution mechanisms and legal protection available to debtors. Using a normative juridical method with caseanalysis, the results show that Bank Tabungan Negara holds moral and administrative responsibility, while the National Land Agency supervises certificate issuance. Delays may indicate administrative default if negligence occurs and may also constitute an unlawful act if they result in harm to debtors. Strengthening accountability through the formation of a Task Force Team, the optimization of Electronic Mortgage Rights, Electronic Land Certificates and the implementation of Service Level Agreements is essential to ensure effective dispute resolution, legal certainty and debtor protection.

Item Type:	Article
Additional Information:	[No. Panggil : 2210611466] [Pembimbing : Citraresmi Widoretno Putri] [Penguji 1 : Syamsul Hadi] [Penguji 2 : Taupiqqurrahman]
Uncontrolled Keywords:	Home Ownership Credit, Land Title Certificate, Legal Protection.
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Program Studi Hukum (S1)
Depositing User:	RAYSHA AULIA FAZILA
Date Deposited:	26 Mar 2026 08:02
Last Modified:	26 Mar 2026 08:02
URI:	http://repository.upnvj.ac.id/id/eprint/42093

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