The Legal Position of SKMHT (Power of Attorney to Charge Mortgage Rights) in Working Capital Credit Engagements

Ike Sulistyaningrum, Ahmad Hadi Prayitno

Abstract


A Power of Attorney to Encumber Mortgage Rights is a letter containing a power of attorney made or given by the collateral provider or business owner, in this case the debtor as the party giving the power of attorney to the creditor as the party receiving the power of attorney to represent the power of attorney in granting mortgage rights to the creditor for the business capital of the power of attorney. . This research is an Empirical Juridical research aimed at finding out and explaining the procedures for making a Power of Attorney to Charge Mortgage Rights (SKMHT) in providing business capital credit facilities at Bank Mandiri, Tegal City, to find out and explain the legal position of a Power of Attorney to Charge Mortgage Rights (SKMHT) in granting credit. business capital at Bank Mandiri Tegal City and to find out and explain the legal consequences of a Power of Attorney Imposing Mortgage Rights (SKMHT) on debtors in default at Bank Mandiri Tegal City. The research approach used in this thesis is an empirical juridical legal research method which relies on primary data (field research) and the research specifications applied in this research are analytical descriptive with a population and the sampling technique used is non-random sampling with purposive sampling. The results of this research indicate that the procedure for making a Power of Attorney to Charge Mortgage Rights (SKMHT) must be made specifically and authentically before a Notary, preceded by the signing of a credit agreement. The position or function of a Power of Attorney to Encumber Mortgage Rights (SKMHT) is as a power of attorney addressed to the holder of mortgage rights or another party to represent the person giving the mortgage rights. In the event that the debtor defaults, the recipient of the power of attorney can proceed with making a Deed of Granting Mortgage Rights so that the creditor is a preferential creditor.


Keywords


Attorney; Encumber; Mortgage; Rights.

Full Text:

PDF

References


Journals:

Dian Cahyo Wibowo, Gunarto Gunarto, Pelaksanaan Surat Kuasa Membebankan Hak Tanggungan di Kota Pekalongan, Jurnal Akta, Vol. 4, No. 2 (2017).

Damanik, J. B. V., & Badriyah, S. M. (2023). Kepastian Hukum Terhadap Perjanjian Pembiayaan Didahului SKMHT Tanpa APHT. AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam, 5(2), 1883-1898.Somov, A. Wildfire Safety With Wireless Sensor Networks. Canada: EAIPress, 2011. (Book)

Sayuna, I. (2016). Harmonisasi dan Sinkronisasi Hukum Surat Kuasa Membebankan Hak Tanggungan (SKMHT) Ditinjau Dari Otentisitas Akta Menurut Undang-Undang Nomor 2 Tahun 2014 tentang Perubahan Atas Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris (Doctoral dissertation, UNS (Sebelas Maret University)).

Subhan, M. (2020). Kepastian Hukum Surat Kuasa Membebankan Hak Tanggungan Akibat Keterlambatan Menerbitkan Akta Pemberian Hak Tanggungan. Journal de Facto, 7(1), 23-37.

Rifai, F., Endrawati, L., & Madjid, A. (2016). Analisis Yuridis Terhadap Ketentuan Surat Kuasa Membebankan Hak Tanggungan (SKMHT) Kredit Tertentu Sebagai Upaya Mewujudkan Keseimbangan Perlindungan Hukum Bagi Kreditur (Bank). Brawijaya University.

Putri, F. A. W. (2023). PERSPEKTIF AGUNAN KREDIT TERTENTU YANG DIIKAT SKMHT (SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN) SEBAGAI UPAYA PERLINDUNGAN HUKUM KREDITUR. Jurnal Pendidikan Dasar dan Sosial Humaniora, 2(9), 1293-1300.

Badriyah, S. M., Suharto, R., & Kashadi, K. (2019). Implikasi Hukum Penggunaan Surat Kuasa Membebankan Hak Tanggungan Sebagai Jaminan Dalam Perjanjian Kredit Pemilikan Rumah. Law, Development and Justice Review, 2(1), 58-71.

Silviana, A. (2020). FUNGSI SURAT KUASA MEMASANG HAK TANGGUNGAN (SKMHT) DALAM PEMBERIAN HAK TANGGUNGAN (Studi Perspektif UU No. 4 Tahun 1996 Tentang Hak Tanggungan Beserta Benda-Benda Yang Berkaitan Dengan Tanah). Diponegoro Private Law Review, 7(1), 28-39.

Risa, Y. (2017). Perlindungan Hukum Terhadap Kreditur Atas Wanprestasi Debitur Pada Perjanjian Kredit Dengan Jaminan Hak Tanggungan. Normative Jurnal Ilmiah Hukum, 5(2 November), 78-93.

Natalia, T. S. (2018). Akibat Hukum Kepailitan Terhadap Kreditor Pemegang Hak Tanggungan dalam Eksekusi Hak Tanggungan. Jurnal Manajemen dan Bisnis Sriwijaya, 16(3), 153-163.

Kenly, M. (2022). Upaya Hukum Bagi Debitur Atas Objek Jaminan Yang Dilelang Tanpa Melalui Restrukturisasi Kredit Oleh Perbankan (Studi Putusan Perdata Nomor 18/Pdt. G/2019/PN. Mks). Jurnal Hukum Al-Hikmah: Media Komunikasi dan Informasi Hukum dan Masyarakat, 3(3), 610-631.

Books:

Badriyah Harun.2010. Penyelesaian Sengketa Kredit Bermasalah. Yogyakarta: Pustaka Yustisia.

H. Budi Untung. 2011.Kredit Perbankan Indonesia. Yogyakarta: Andi Offset.

Hadi, Sutrisno, 2000. Metodologi Reseach, Jilid I. Yogyakarta: Penerbit ANDI.

Moloeng, L. 2012. Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya. Hal. 206

Muchtar Kusumaatmadja dan B. Arief Sidharta. 2000. Pengantar Ilmu Hukum: Suatu Pengenalan Pertama Ruang Lingkup Berlakunya Ilmu Hukum. Bandung: Alumni.

O.P. Simorangkir. 1998. Seluk Beluk Bank Komersial. Jakarta: Aksara Persada Indonesia.

Internet:

https://scholar.google.com/scholar?q=related:UypO2pQnCL0J:scholar.google.com/&scioq=&hl=id&as_sdt=0,5#d=gs_cit&t=1702048647260&u=%2Fscholar%3Fq%3Dinfo%3AUypO2pQnCL0J%3Ascholar.google.com%2F%26output%3Dcite%26scirp%3D0%26hl%3Did

https://ojs.unud.ac.id/index.php/kerthasemaya/article/view/31500

http://repository.unissula.ac.id/26360/1/21302000037_fullpdf.pdf

https://www.neliti.com/id/publications/146241/tinjauan-yuridis-kedudukan-surat-kuasa-menurut-undang-undang-nomor-4-tahun-1996

Virda Yani. Makalah Penegakan Hukum Indonesia, artikel (https://www.academia.edu/12114512/Makalah_penegakan_hukum_ind onesia?auto=download. Accessed on 18 May 2023

Wika. Keadilan Dari DimensiSistem Hukum. Artikel (http://hukum.kompasiana.com.(02/04/2011). Accessed on 18 May 2023

Regulations:

Law Number 10 of 1998 concerning Banking Articles 3 and 4

Law Number 10 of 1998 concerning Banking Article 1

H. Budi Untung. Indonesian Banking Credit (Yogyakarta: Andi Offset, 2011).

Law Number 5 of 1960 concerning Basic Agrarian Principles Regulations

Law Number 4 of 1996 Article 1 number 1

Republic of Indonesia Government Regulation Number 24 of 2016 concerning Amendments to Government Regulation Number 37 of 1998 concerning Position Regulations for Land Deed Officials.

Interview:

Interview with Mr. Saputra Iriyanto as Micro Banking Manager Bank Mandiri, on November 02, 2023

Interview with Ms. Dheka as Bank Mandiri Credit Analyst, on November 02, 2023




DOI: http://dx.doi.org/10.30659/sanlar.v5i4.34260

Refbacks

  • There are currently no refbacks.


Sultan Agung Notary Law Review has been indexed in:

Image Image Image Image Image