Potensi Kerugian pada PT. Bank Sumut Cabang Pembantu Syariah Marelan Raya Terhadap Pengikatan Akta Hak Tanggungan yang Terjadi Kesalahan Data oleh PPAT

Abstract

Binding deed of mortgage that occurs data errors by PPAT, such errors as mistaken identity of the debtor / creditor, errors in the data of the collateral object and editorial errors in the mortgage clause, which can affect the legal force of the deed. Formulation of the problem causes of data errors in The Binding of the deed of mortgage by PPAT in PT. Bank Sumut Marelan Raya Syariah Auxiliary Branch. Steps that can be taken by PT. Bank Sumut to reduce the risk of data errors in The Binding of mortgage deed. The role of PPAT in ensuring data accuracy in the deed of mortgage and its responsibilities in case of data errors. This type of research is an empirical legal research, descriptive analytical. The data sources used in this study are primary and secondary Data. Data collection techniques using library research, and field research, document study data collection tools. The research used in this study is deductive to inductive thinking method The cause of data errors in The Binding of the deed of mortgage by PPAT in PT. Bank Sumut Marelan Raya Sharia sub-branch, namely administrative errors, such as typos in the name of the party, identity number, land area, or certificate number. Incomplete documents such as party identity documents (KTP, NPWP, KK) that are not suitable or are no longer valid. Land certificates that are still in the process of transferring rights or there are records of blocking/disputes. Technical errors in the binding process, such as incorrectly determining the object of guarantee. Steps that can be taken by PT. Bank Sumut to reduce the risk of data errors in The Binding of the mortgage deed, namely the improvement of the debtor's data verification process. Ensuring the conformity of data between the debtor's identity documents with collateral documents. Using a verification checklist before the binding process of the mortgage deed. Digitalization and data integration is like using an integrated IT system to pull automated data from the core banking system to the mortgage deed document. Reduce manual input to minimize human error. Standardization Of Document Formats.The role of PPAT in ensuring the accuracy of the data in the mortgage deed and its responsibilities in case of error, namely PPAT checks the data carefully and accurately before making the mortgage deed. PPAT verify the identity of the parties concerned in the deed of mortgage. PPAT checks the documents required to make the deed of Liability. PPAT fill accurate and complete data in the deed of mortgage.