Urgensi Mediasi Pra-Lelang dan Sinkronisasi Regulasi dalam Menjamin Kepastian Eksekusi Hak Tanggungan bagi Kreditor
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Abstract
Law Number 4 Year 1996 on Mortgage Rights (UUHT) is present as a legal instrument that provides a strong basis for creditors to obtain repayment of receivables through the execution of collateral objects, especially land. One of the advantages of UUHT is the parate execution mechanism that allows creditors to sell collateral objects without the need for a court decision. However, the effectiveness of this mechanism in practice faces various obstacles, such as lawsuits from debtors, differences in interpretation of the executorial clause, and disharmony between the UUHT and technical regulations for auction implementation. This study aims to examine the urgency of establishing a pre-auction mediation mechanism and examine the challenges of synchronization between the UUHT and its implementing regulations. Using a normative juridical approach, it is found that pre-auction mediation can be a preventive solution that strengthens balanced legal protection for creditors and debtors, while reducing court caseloads. In addition, synchronization of regulations is needed so that the execution process runs effectively, efficiently, and ensures legal certainty for all parties. This research recommends policy revisions that integrate normative, technical, and procedural aspects in order to realize a fairer and more credible property security system.
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