RAHMAN, Ayu Silvia (2025) Implementasi Lelang Eksekusi Hak Tanggungan Melalui Aplikasi E-Auction di Kantor Pelayanan Kekayaan Negara dan Lelang Purwokerto. Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

Article 6 of Law No. 4 of 1996 grants the mortgage holder the right to sell the mortgaged object through a public auction to settle the debt if the debtor defaults. Mortgage execution auctions serve as a last resort after other efforts have failed. To support this, DJKN implements e-auction, enabling internet-based auctions without the physical presence of participants. In KPKNL Purwokerto, while the system is efficient and transparent, the sales rate remains low, with obstacles such as participants' lack of understanding, administrative issues, and declining participation. This study aims to examine the implementation of mortgage execution auctions through e-auction at KPKNL Purwokerto, identify the challenges faced, and provide recommendations to improve the effectiveness and efficiency of the auction policy. The author uses the Van Meter and Van Horn Model to analyze the implementation of the e-auction policy at KPKNL Purwokerto, focusing on six key variables: policy standards, resources, inter-organizational communication, characteristics of implementing agents, socio-economic-political conditions, and implementer disposition. A descriptive qualitative method is used, with data collection techniques including observation, interviews, and documentation. Data analysis is conducted interactively, involving data collection, reduction, display, and conclusion drawing until saturation. The results show that the implementation of mortgage execution auctions at KPKNL Purwokerto aligns with Article 6 of Law No. 4 of 1996 and PMK No. 122 of 2023, with the effective application of SOPs and adequate technological and infrastructural support. Although the achieved auction value exceeds the target, challenges related to legal protection, regulatory updates, and a decline in auction frequency persist. Coordination among related parties is smooth, auction information is communicated effectively, and public satisfaction is high, reaching 94.37%. Auction officials demonstrate strong commitment despite challenges, and KPKNL is actively educating the public. The conclusion of this study is that the implementation of mortgage execution auctions at KPKNL Purwokerto is generally effective, but not yet optimal. Policy standards and objectives are clear, but legal protection for auction winners needs to be strengthened. Resources support the auction, but infrastructure and the number of auction officials are limited. Coordination with related parties is good, with communication that supports transparency and minimizes errors. The characteristics of implementing agents show efficient work procedures, though high workloads remain a constraint. Economic, social, and political conditions affect participants' interest in auctions, but the e-auction system has received a positive response. Implementers show a good understanding and strong commitment, though challenges related to regulatory changes remain. Technical, administrative, social, and structural obstacles

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