PERAN SERTIFIKASI HAK MILIK TANAH DALAM MENDUKUNG INKLUSI KEUANGAN DAN PENINGKATAN KESEJAHTERAAN SOSIAL MELALUI AKSES PERMODALAN PADA LEMBAGA KEUANGAN FORMAL
Keywords:
land title certification, financial inclusion, social welfare, access to capital, formal financial institutionsAbstract
This study examines the role of land title certification in supporting financial inclusion and improving social welfare through access to capital in formal financial institutions. Using a literature review approach, this study examines literature and empirical studies that link legal certainty of land ownership with ease of access to capital for the community, especially vulnerable groups. The results of the study show that land certification provides legal certainty that encourages financial institutions to distribute credit more widely and safely, thereby expanding access to formal finance. This access to capital plays an important role in strengthening the economic capacity of the community, increasing business productivity, and promoting sustainable social welfare. However, to optimise the role of land certification, policy synergy, inclusive financial product innovation, and public education are needed to ensure that capital utilisation is effective and has a broad impact.
Downloads
References
Adamie, B. A. (2021). Land property rights and household take-up of agricultural extension packages. World Development. https://doi.org/10.1016/j.worlddev.2021.105546
Aldashev, G. (2012). Land Titling and Credit Access: Empirical Evidence from Kyrgyzstan. Journal of Development Economics.
Ardika, G. (2020). Community Welfare and Land Certification: An Empirical Review. Indonesian Journal of Social Sciences.
Basiley, M. O. (2024). Effect of Formal Land Titling and Credit Accessibility: Case Study of Ikom Local Government Area, Nigeria. Global Scientific Journal.
Bromley, D. W. (1992). Making the Commons Work: Theory, Practice, and Policy. ICS Press.
Bu, D. (2022). Land property rights and rural enterprise growth. Journal of Development Economics.
Deininger, K. (2003). Land Policies for Growth and Poverty Reduction. World Bank Research Observer. https://doi.org/10.1093/wbro/lkg003
Djogo, T. (2015). Formal Land Rights and Access to Financial Services in Indonesia. Journal of Indonesian Social Sciences.
Edwin, D. A. (2023). Landed Property as Collateral to Access Credit for Housing Development: Case Study from Ghana. Housing Studies.
Eliyah, E., & Aslan, A. (2025). STAKE’S EVALUATION MODEL: METODE PENELITIAN. Prosiding Seminar Nasional Indonesia, 3(2), Article 2.
Feder, G., & Feeny, D. (1991). Land Tenure and Property Rights as Collateral for Rural Credit. American Journal of Agricultural Economics.
Fenske, J. (2011). Land tenure and investment incentives: Evidence from West Africa. Journal of Development Economics. https://doi.org/10.1016/j.jdeveco.2011.03.007
Hanstad, T. (2017). Land Titling and Access to Formal Credit in Myanmar. Asian Development Review.
Hartono, T. (2018). Land Ownership Security and Smallholder Credit Accessibility in Indonesia. Indonesian Journal of Agricultural Research.
Jaya, R. (2022). Economic Empowerment through Land Certification: Case Studies from Indonesian Rural Areas. Journal of Southeast Asian Studies.
Kafrawi, A., & Kafrawi, M. (2025). Challenges in Collateral Seizure for Land-Based Credit in Indonesia: Legal and Procedural Perspectives. Justice Voice Journal (Local Indonesian Journal).
Malele, F., Tangkudung, F. X., & Sondakh, J. (2021). Kepastian Hukum Penjaminan Sertifikat Hak Milik atas Tanah dalam Pemberian Kredit Bank. Lex Administratum, 9(6).
Mardiana, Y. S., Siregar, H., & Juanda, B. (2016). Pengaruh Sertifikasi Tanah terhadap Nilai Tanah dan Kondisi Ekonomi Masyarakat di Kabupaten Sukoharjo. Jurnal Aplikasi Bisnis Dan Manajemen, 2(3), 304.
Mbilinyi, J. J. (2022). Implication of Land Regularization in Accessing Credits from Formal Financial Institutions: Evidence from Tanzania. Open Journal of Social Sciences.
Mertokusumo, S. (2012). Mortgage Rights on Land and Legal Procedures in Indonesia.
Monsaputra, K., Munibah, & Panuju, D. R. (2022). Faktor Penentu Pemanfaatan Sertifikat Redistribusi Tanah sebagai Agunan untuk Akses Modal. Jurnal Perencanaan Pembangunan Wilayah Dan Perdesaan, 6(1), 65–73.
Nasr, S. (2019). Land Tenure and Financial Access in the Middle East: Challenges and Prospects. Middle East Development Journal.
Nugroho, A. (2023). Advancing Land Certification and Financial Access in Rural Indonesia. Asia-Pacific Economic Conference.
Panuju, D. R., Monsaputra, K., & Munibah. (2022). Factors Influencing Use of Land Redistribution Certificates as Loan Collateral in Indonesia. Journal of Rural Development and Planning.
Payne, G. (2002). Land, Rights and Innovation: Improving Tenure Security for the Urban Poor. ITDG Publishing.
Place, F. (2014). Property Rights and Land Tenure Security in Developing Countries. Annual Review of Resource Economics. https://doi.org/10.1146/annurev-resource-100913-012519
Ramadhan, F. (2023). Legal Framework and Economic Impact of Land Certification in Rural Communities. Indonesian Journal of Legal Studies.
Sari, R. M. (2021). Land Tenure Security as Collateral in Rural Credit: A Case Study of East Kalimantan. Indonesian Conference on Rural Development.
Singh, S. (2016). Land Titles as Collateral in South Asia: Economic Outcomes and Policy Implication. South Asian Journal of Development.
Siregar, E. (2017). Exploring Land Rights and Credit Access in Rural Indonesia. Journal of Agrarian Studies.
Suryadi, B. (2023). Effects of Land Certification on Microfinance Access in Indonesia. Indonesian Journal of Development Finance.
Suryanto, H. (2024). Impact of Land Certification on Credit Access in Rural Indonesia: A Socioeconomic Approach. Indonesian Journal of Agricultural Economics.
Tranfield, D., Denyer, D., & Smart, P. (2003). Towards a Methodology for Developing Evidence-Informed Management Knowledge by Means of Systematic Review. British Journal of Management, 209–222.
Wibowo, A. (2019). Legal and Social Implications of Land Certification for Credit Access in Indonesia. Indonesian Journal of Land Policy.
Wirawan, I. (2024). Land Certificate as a Means to Economic Empowerment: Evidence from Bali. Bali Economic Development Conference.
