Implementation of Electronic Mortgage Services through Land Deed Maker Officials in Padang Pariaman Regency

Reni Anggraini, Azmi Fendri, Delfiyanti Delfiyanti


The development and growth of technology and communication that is increasing, has a positive impact on the development of the bureaucracy in Indonesia. One of them is trying to cut the bureaucracy in terms of registration of Mortgage Rights at the National Land Agency. Conventionally, Mortgage Registration is done manually at BPN, but since the enactment of Ministerial Regulation of ATR/BPN Number 5 of 2020, it requires that Mortgage registration be done electronically through the HT-El system. However, this program has not been running well, because there are still technical obstacles that occur, for example, it still requires applicants to validate land certificates both physically, materially and formally with those contained in the BPN online system. And what happened at BPN Padang Pariaman, there were still many uncharted lands that had not been validated by the BPN system. The problems studied in this thesis are: 1) How is the implementation of electronic Mortgage through the Land Deed Maker Officer in Padang Pariaman Regency? 2) What are the obstacles in the implementation of Electronic Mortgage Rights through Land Deed Officers in Padang Pariaman Regency and how to manage these obstacles? The approach method used in this research is the empirical juridical method. This research is descriptive. The data used are primary data and secondary data. The data sources in this research are library research and field research. Data were collected through interviews and document studies. The data obtained were processed through editing and coding, then analyzed using qualitative analysis. Furthermore, the data is presented descriptively. Based on the results of the research, the authors conclude: 1) The implementation of electronic Mortgage registration through the Land Deed Maker Officer in Padang Pariaman Regency is a very good program, due to bureaucratic cuts and requires PPAT as the executor of this program to be more independent. 2) The obstacle in its implementation is that there are still lands in Padang Pariaman Regency in particular that have not been mapped and there are still many land certificates that have not been formally and materially validated with the existing system at BPN.


Registration; Electronic Mortgage Rights; Land Deed Maker Official; The National Land Agency of Padang Pariaman Regency

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