Land rights under the Cultivation Rights Title (HGU) can serve as collateral in credit agreements through the imposition of a mortgage right. However. legal challenges arise when the status of HGU land as collateral changes. particularly due to its designation as abandoned land by the Indonesian Ministry of Agrarian Affairs and Spatial Planning/National Land Agency (ATR/BPN). https://theplayfulcollectivees.shop/product-category/gift-cards/