The Influence of the Implementation of Electronic Land Certificates on Legal Certainty in Banking Credit in Indonesia

Haykal, Hassanain The Influence of the Implementation of Electronic Land Certificates on Legal Certainty in Banking Credit in Indonesia. Pakistan Journal of Life and Social Sciences, 23 (1). pp. 3980-3988. ISSN 2221-7630

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Abstract

Indonesia's digital transformation includes the implementation of electronic land certificates to enhance the efficiency and security of land administration. However, there are still challenges related to legal certainty and acceptance by the banking sector, particularly in the context of using this certificate as collateral for loans. This research aims to analyze the impact of implementing electronic land certificates on legal certainty in the banking credit process and to evaluate the readiness of the banking sector to adopt this technology. The research method used is normative legal research with an approach based on legislation, conceptual, and comparative. Data were collected through a literature review that included legal regulations, policy documents, and related literature. Despite the legal recognition of electronic land certificates, banks still encounter difficulties in accepting them as collateral, mainly because of worries about digital security and potential risks in the execution of collateral rights. Comparative studies with other countries, such as Singapore and Australia, show that the successful implementation of electronic land certificates requires strong regulations, adequate technological infrastructure, as well as socialization and increased trust from banking institutions. The implications of this research indicate the need for further harmonization between legal regulations and technology, as well as policy support to ensure the effective and sustainable implementation of electronic land certificates in the banking credit sector.

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