Efektivitas Penerapan Pendaftaran Hak Tanggungan Melalui Sarana Elektronik Pada PT. BPR Pedungan Denpasar

Abstract

The activity of borrowing money, which is often related to the condition of submitting debt guarantees, is mostly carried out individually or by business entities. In fact, in carrying out credit agreements, it is often found that debtors apply for credit in the form of land guarantees to get credit with a certain nominal value. The bank will be more daring to provide land loans that have a high economy and the value of the land always increases from time to time and Mortgage Rights are created, namely collateral rights imposed on land rights. The purpose of this study was to determine the mechanism for registering mortgage rights through electronic means at PT.BPR Pedungan Denpasar, and to find out the obstacles faced in determining mortgage registration through electronic means at PT.BPR Pedungan Denpasar. This type of research is part of sociological legal research which includes identifying unwritten laws and examining the effectiveness of laws. In the analysis of legal theory through the view of legal science, starting from normative and empirical. The primary data collection technique in this research is the interview method.