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The Position of Property Rights over Flats as Collateral for Debts Charged with Dependent Rights in Semarang City: Kedudukan Hak Milik Atas Satuan Rumah Susun Sebagai Jaminan Hutang Yang Dibebankan dengan Hak Tanggungan di Kota Semarang

Annual Review of Legal Studies · Vol. 1 No. 3 (2024) · pp. 593–608

DOI
10.15294/arls.vol1i3.4085
ISSN
3047-7875, 3047-7581
Published
2024-07-31
Publisher
Faculty of Law, Universitas Negeri Semarang
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

As the owner of the ownership rights to an apartment unit whose ownership is proven by a Certificate of Ownership of the Apartment, the owner of the apartment can apply for credit by using the Certificate of Ownership Rights for the apartment unit he owns as collateral for credit at the bank. With the imposition of mortgage rights on the ownership rights of apartment units in Semarang Tengah District, Kembangsari Village, Semarang City. Taking the problem formulation: (1) Why is the ownership right to the flat unit Kel. Kembangsari, District. Central Semarang, Semarang City used as debt collateral? and (2) What is the procedure for imposing an ownership certificate on an apartment unit, Ex. Kembangsari, District. Central Semarang, Semarang City, burdened with mortgage rights? The method used is a qualitative descriptive legal research method with a sociological juridical approach. The data collected is primary data and secondary data. Data validity using source triangulation techniques. The research results show: (1) Requirements and procedures for guaranteeing ownership certificates for condominium units, Kel. Kembangsari, District. Central Semarang, Semarang City as collateral in a banking credit agreement, namely a certificate of ownership of an apartment unit must meet the requirements for economic value and juridical value. Meanwhile, the procedures in SHMSRS guarantee are stages that have been determined in an organized manner and must be fulfilled for the sake of smoothness and security between debtors and creditors, consisting of the credit application stage, data analysis stage, credit implementation stage, guarantee stage, and credit expiration stage. In these stages, there are several parties who have roles and duties to ensure that the credit is implemented properly, including the bank, the notary/PPAT, and the Land Office. (2) Procedure for Imposing Ownership Certificates on Flat Units in Kel. Kembangsari, District. Central Semarang, Semarang City is closely related to agreements or contracts between legal subjects, namely creditors and debtors regarding debt agreements in the form of, for example, bank credit, with the Ownership Certificate being used as collateral for the debt with the consequence that if the debtor breaks his promise or defaults, then the guarantee is can be executed to take repayment of the debt. The encumbrance procedure is related to the registration mechanism, making Certificates of Ownership Rights for Flats in Kel. Kembangsari, District. Central Semarang, Semarang City, Power of Attorney to Encumber Mortgage Rights, and others.

Keywords

Collaboration network of the authors

40 authors · 191 co-authorship links · showing the 40 most connected

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  • Universitas Halu Oleo
  • State University of Semarang
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Asnia ZainuddinUniversitas Halu Oleo7
Rahman RahmanAffiliation unknown7
Fithria FithriaUniversitas Halu Oleo6
Nurmaladewi NurmaladewiUniversitas Halu Oleo6
Lade Albar KalzaUniversitas Halu Oleo5
La Ode Ahmad SaktiansyahUniversitas Halu Oleo5
Nani YuniarUniversitas Halu Oleo4
Yusuf SabiluUniversitas Halu Oleo4
Lisnawaty LisnawatyAffiliation unknown4
Yasnani YasnaniUniversitas Halu Oleo4
Ruslan MajidUniversitas Halu Oleo4
Dani MuhtadaAffiliation unknown4
Asmarani RamliAffiliation unknown4
Jafriati JafriatiUniversitas Halu Oleo3
Arum Dian PratiwiUniversitas Halu Oleo3
Ramadhan TosepuUniversitas Halu Oleo3
Elisabeth Yoseph SukariaAffiliation unknown3
Syawal Kamiluddin SaptaputraAffiliation unknown3
Jusniar Rusli AfaUniversitas Halu Oleo3
Lymbran TinaAffiliation unknown3
Rodiyah RodiyahAffiliation unknown3
Nurnajma Indah ArifAffiliation unknown2
Nurul MutmainaAffiliation unknown2
Siti Rabbani KarimunaUniversitas Halu Oleo2
Agnes Mersatika HartoyoAffiliation unknown2
Kurnia Wulan RamadhaniAffiliation unknown2
La Ode Muhamad SetyUniversitas Halu Oleo2
Sartiah YusranAffiliation unknown2
Cahya WulandariState University of Semarang2
Sudijono SastroatmodjoAffiliation unknown2
Sarnilawati SarnilawatiAffiliation unknown1
Kadek Dwi SuciasihAffiliation unknown1
devi savitry effendiAffiliation unknown1
Sarlina SarlinaAffiliation unknown1
Harleli HarleliUniversitas Halu Oleo1
Nur Hasanah SAffiliation unknown1
Wa Ode SalmiatiAffiliation unknown1
Adelia PratiwiAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/arls/oai, first harvested 5 Nov 2026, last seen 5 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">The Position of Property Rights over Flats as Collateral for Debts Charged with Dependent Rights in Semarang City: Kedudukan Hak Milik Atas Satuan Rumah Susun Sebagai Jaminan Hutang Yang Dibebankan dengan Hak Tanggungan di Kota Semarang</dc:title>
	<dc:creator xml:lang="en">Diwasasri, Muhammad Titan </dc:creator>
	<dc:creator xml:lang="en">Suhadi, Suhadi</dc:creator>
	<dc:subject xml:lang="en">Property Rights</dc:subject>
	<dc:subject xml:lang="en">Flats</dc:subject>
	<dc:subject xml:lang="en">Mortgage Rights</dc:subject>
	<dc:subject xml:lang="en">Semarang City</dc:subject>
	<dc:description xml:lang="en">As the owner of the ownership rights to an apartment unit whose ownership is proven by a Certificate of Ownership of the Apartment, the owner of the apartment can apply for credit by using the Certificate of Ownership Rights for the apartment unit he owns as collateral for credit at the bank. With the imposition of mortgage rights on the ownership rights of apartment units in Semarang Tengah District, Kembangsari Village, Semarang City. Taking the problem formulation: (1) Why is the ownership right to the flat unit Kel. Kembangsari, District. Central Semarang, Semarang City used as debt collateral? and (2) What is the procedure for imposing an ownership certificate on an apartment unit, Ex. Kembangsari, District. Central Semarang, Semarang City, burdened with mortgage rights? The method used is a qualitative descriptive legal research method with a sociological juridical approach. The data collected is primary data and secondary data. Data validity using source triangulation techniques. The research results show: (1) Requirements and procedures for guaranteeing ownership certificates for condominium units, Kel. Kembangsari, District. Central Semarang, Semarang City as collateral in a banking credit agreement, namely a certificate of ownership of an apartment unit must meet the requirements for economic value and juridical value. Meanwhile, the procedures in SHMSRS guarantee are stages that have been determined in an organized manner and must be fulfilled for the sake of smoothness and security between debtors and creditors, consisting of the credit application stage, data analysis stage, credit implementation stage, guarantee stage, and credit expiration stage. In these stages, there are several parties who have roles and duties to ensure that the credit is implemented properly, including the bank, the notary/PPAT, and the Land Office. (2) Procedure for Imposing Ownership Certificates on Flat Units in Kel. Kembangsari, District. Central Semarang, Semarang City is closely related to agreements or contracts between legal subjects, namely creditors and debtors regarding debt agreements in the form of, for example, bank credit, with the Ownership Certificate being used as collateral for the debt with the consequence that if the debtor breaks his promise or defaults, then the guarantee is can be executed to take repayment of the debt. The encumbrance procedure is related to the registration mechanism, making Certificates of Ownership Rights for Flats in Kel. Kembangsari, District. Central Semarang, Semarang City, Power of Attorney to Encumber Mortgage Rights, and others.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Law, Universitas Negeri Semarang</dc:publisher>
	<dc:date>2024-07-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/arls/article/view/4085</dc:identifier>
	<dc:identifier>10.15294/arls.vol1i3.4085</dc:identifier>
	<dc:source xml:lang="en">Annual Review of Legal Studies; Vol. 1 No. 3 (2024); 593-608</dc:source>
	<dc:source>3047-7875</dc:source>
	<dc:source>3047-7581</dc:source>
	<dc:source>10.15294/arls.vol1i3.%a</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/arls/article/view/4085/1843</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2024 Muhammad Titan  Diwasasri, Suhadi Suhadi (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>