Legal Literacy - Mortgage is one means of guaranteeing legal certainty in the form of collateral. This article aims to discuss the transition of Mortgage registration and its implications sociologically and implementatively.

Transition of Mortgage Registration from Conventional to Electronic

Legal changes continue to occur in accordance with technological and societal developments. This includes the transition of conventional Mortgage registration to electronic. The dynamics, of course, always follow the direction of technological development to achieve efficiency and accountability of land data.

Considerations Regulation of the Minister of Agrarian Affairs and Spatial Planning/Head of the National Land Agency Number 5 of 2020 concerning Electronically Integrated Mortgage Services, outlines the objective of implementing an integrated electronic Mortgage service to improve Mortgage services that meet the principles of transparency, timeliness, speed, ease, and affordability in the context of public service and is intended to adapt to legal, technological, and societal developments. Strengthening technology as an agrarian database through ease of access by the government and the public is expected to minimize obstacles in the implementation of conventional land policies, such as duplicate certificates due to the lack of synchronization between physical and juridical data.

Land as an asset, wealth, and/or immovable property cannot physically be moved from one person to another, but only the rights to the land are transferred. Land is permanent, meaning it cannot increase, decrease, or be destroyed like other assets or properties. The physical condition of the land can be recorded or documented indefinitely (Hanstaad, 1998). This element is what must continue to be improved because it relates to legal certainty over land.

Legal certainty of land rights or security of tenure is necessary for rights holders in the protection of their control and ownership, including when land rights are pledged in the form of a Mortgage. In its implementation in credit agreements, banks as creditors request collateral from customers as debtors. The goal is to provide certainty for creditors that debtors are guaranteed to repay the credit. Debtors are expected to remain committed to repaying their credit because there is collateral. If the debtor defaults, the creditor has certainty in maintaining credit risk management by executing the collateral (Poesoko, 2007: 45).

Electronic Mortgage registration is implemented as a data base to facilitate registration and ensure the suitability of physical and juridical land data (Riyadi & Atmoredjo, 2020: 16). Ideally, the transition to electronic Mortgage is supported by instruments, facilities, and the capabilities of the implementing resources. However, in practice, there are still various negative implications, including in sociological and implementative aspects.