Legal Protection for Creditors in Cases of Forged Land Ownership Certificates by Debtors: An Interdisciplinary Analysis of Law and Islamic Moral Education (A Study at Bank Mega Ujung Batu Branch)

Abstract

Forgery of land ownership certificates used as collateral for credit constitutes an unlawful act that may cause significant losses to banking institutions as creditors. Such conduct not only has legal and economic consequences but also reflects a moral crisis that contradicts the values of honesty and responsibility in Islamic teachings. This study aims to analyze the forms of legal protection available for creditors against the forgery of land ownership certificates by debtors and to examine the issue from the perspective of Islamic moral education. This research employs a qualitative method with a normative juridical approach and library research design, supported by the analysis of relevant legislation, legal literature, and Islamic educational sources. The findings indicate that legal protection for creditors can be implemented through both preventive and repressive measures. Preventive protection is realized through the application of the prudential principle, document verification procedures, and validation of certificates with authorized institutions. Meanwhile, repressive protection is carried out through civil and criminal legal actions against perpetrators of document forgery. From the perspective of Islamic moral education, the forgery of certificates is a behavior that contradicts the values of honesty (ṣidq), trustworthiness (amanah), and responsibility as taught in Islam. Therefore, strengthening moral education is a strategic effort to prevent document forgery within society. This study concludes that legal protection and Islamic moral education are mutually complementary in ensuring legal certainty and fostering a culture of honesty in economic and banking activities.