PENGARUH SERTIFIKAT TANAH SEBAGAI AKSES AGUNAN KREDIT: IMPLIKASI BAGI KESEJAHTERAAN MASYARAKAT DAN PEMBERDAYAAN EKONOMI DI INDONESIA
Keywords:
Land Certificates, Credit Access, Credit Collateral, Community Welfare, Economic Empowerment, Financial InclusionAbstract
This study examines the impact of land certificates as collateral for credit access on community welfare and economic empowerment in Indonesia through a literature review approach. Land certificates serve as legal collateral that enables communities to obtain credit from formal financial institutions more easily, thereby opening up opportunities to improve income, education, health, and overall living standards. In addition, land certificates also play an important role in expanding financial inclusion and encouraging the development of micro, small, and medium enterprises as a form of sustainable economic empowerment. However, there are challenges and risks, such as the risk of asset loss due to default and low financial literacy, which must be overcome with policy support, education, and legal protection. The results of this study confirm that land certificates are a strategic instrument in efforts to promote inclusive and sustainable community welfare and economic empowerment in Indonesia.
Downloads
References
Aldashev, G. (2012). Land Titling and Credit Access: Empirical Evidence from Kyrgyzstan. Journal of Development Economics.
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.
De Soto, H. (2000). The Mystery of Capital: Why Capitalism Triumphs in the West and Fails Everywhere Else.
Deininger, K. (2003). Land Policies for Growth and Poverty Reduction. World Bank Research Observer. https://doi.org/10.1093/wbro/lkg003
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.
Hanstad, T. (2017). Land Titling and Access to Formal Credit in Myanmar. Asian Development Review.
Hasan, M. (2018). Perlindungan Hukum Masyarakat Pesisir terhadap Dampak Kegiatan Pertambangan. Unsrat Press.
Iswandi, N. (2025). Social Impact of Land Title Certification in Indonesian Agriculture. Asian Journal of Social Sciences.
Kurniawan, T. (2018). The Effect of Land Certification on Household Welfare: Evidence from Java. Journal of Development Studies.
Machi, L. A., & McEvoy, B. T. (2016). The Literature Review: Six Steps to Success. Corwin Press.
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.
Mertokusumo, S. (2012). Mortgage Rights on Land and Legal Procedures in Indonesia.
Nasution, F. R. (2017). Hukum Lingkungan dan Wilayah Pesisir. Refika Aditama.
Patel, S. (2017). The Role of Land Records in Enhancing Credit Access in India. Journal of Rural Studies.
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
Purnomo, H. (2020). The Role of Land Certification in Empowering Smallholder Farmers in Indonesia. Journal of Agricultural Economics.
Putra, J. (2020). Strengthening Economic Participation through Land Certificate-Based Credit. International Conference on Rural Credit and Development.
Rahman, M. (2021). The Impact of Formal Land Rights on Access to Credit: A Bangladesh Case Study. Land Use Policy. https://doi.org/10.1016/j.landusepol.2021.105747
Ramadhan, F. (2023). Legal Framework and Economic Impact of Land Certification in Rural Communities. Indonesian Journal of Legal Studies.
Sari, D. (2024). Penataan Ruang Pesisir dan Laut: Konsep dan Kebijakan. Deepublish.
Singh, S. (2016). Land Titles as Collateral in South Asia: Economic Outcomes and Policy Implication. South Asian Journal of Development.
Wibowo, A. (2019). Legal and Social Implications of Land Certification for Credit Access in Indonesia. Indonesian Journal of Land Policy.
Yulianto, A. (2019). The Role of Land Certificate in Accessing Microcredit in Rural Indonesia. International Conference on Agricultural Economics.
