Abstract
The Covid-19 pandemic has significantly impacted the economic sector, especially the banking sector in obtaining debt repayments from debtors. To obtain debt repayment from a defaulting debtor, it can be done by selling debt guarantees that have been tied with Mortgage Rights. This study aims to examine and analyze the legal rules, mechanisms and obstacles faced in the implementation of the Mortgage Execution auction through the internet media during the Covid-19 pandemic based on the ITE law. This study uses a normative juridical legal research method with a historical, explanatory and synchronization legal approach using primary, secondary and tertiary legal materials then data analysis is carried out qualitatively. The results of the study show that the auction of Mortgage executions through the internet media during the Covid-19 pandemic based on the ITE law at the Medan KPKNL has been carried out based on applicable law and the resulting auction minutes are valid authentic deeds. However, it is still necessary to improve both in terms of regulations and support systems so that auctions via the internet can be carried out effectively, transparently, accountable, fair, and guarantee legal certainty.
Highlights
The Covid-19 pandemic has significantly impacted the economic sector, especially the banking sector in obtaining debt repayments from debtors
This study aims to examine and analyze the legal rules, mechanisms and obstacles faced in the implementation of the Mortgage Execution auction through the internet media during the Covid19 pandemic based on the Informasi dan Transaksi Elektronik (ITE) law
Peraturan Menteri Keuangan Nomor 90/PMK. 06/ 2016 tentang Pedoman Pelaksanaan Lelang dengan
Summary
Jenis penelitian yang digunakan peneliti adalah penelitian hukum yuridis normatif. Penelitian hukum yuridis normatif disebut juga sebagai penelitian hukum doktriner karena dilakukan hanya pada peraturan-peraturan tertulis atau bahan-bahan hukum yang lain atau disebut juga penelitian perpustakaan/studi dokumen karena penelitian lebih banyak dilakukan terhadap data sekunder (Bambang: 2008). Salinan/fotokopi surat pemberitahuan rencana pelaksanaan lelang kepada debitor oleh kreditor, yang diserahkan paling lama 1 (satu) hari sebelum lelang dilaksanakan; Kepala KPKNL akan menetapkan jadwal pelaksanaan lelang dan menunjuk Pejabat Lelang untuk melaksanakan permohonan lelang tersebut. Penawaran lelang melalui surat elektronik, tromol pos atau internet cara tertutup (closed bidding) dibuka pada saat pelaksanaan lelang oleh Pejabat Lelang bersama dengan 2 (dua) orang saksi, masing-masing 1 (satu) orang dari KPKNL dan 1 (satu) orang dari penjual. Pejabat Lelang/Penjual harus menyerahkan asli dokumen kepemilikan kepada Pembeli paling lambat 1 (satu) hari kerja setelah Pembeli menunjukkan kuitansi atau tanda bukti pelunasan pembayaran dan menyerahkan bukti setor Bea Perolehan Hak Atas Tanah dan atau Bangunan (BPHTB) jika objek lelang berupa tanah dan atau bangunan. Aplikasi E-Auction dilengkapi dengan prosedur dan petunjuk dengan bahasa yang mudah dipahami oleh pengguna jasa lelang
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