The implementation of this ATR/BPN ministerial regulation is not without pros and
cons, this is because many Indonesian people still lack technology. The
implementation of electronic mortgage rights over property rights in Yogyakarta is
in accordance with Ministerial Regulation ATR/BPN Number 5 of 2020 concerning
Electronic Integrated Mortgage Services, but in its implementation there are
several obstacles encountered in the process of providing electronic Mortgage
services in the City of Yogyakarta, namely: Network Disturbances (Server Down),
the file is closed by the system, it has been paid for but the billing code is not
readable by the system, the status of the file is pending, but the creditor or PPAT
does not make repairs until the repair period is due (5 days). To overcome this in
the implementation of Electronic Integrated Mortgage Services, the authors
provide several suggestions such as adding notifications for files that have been
repaired by the PPAT/Bank and adding notifications for files that have been reuploaded
repair files.