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All Journal Lentera Hukum Jurnal Ilmiah Hukum LEGALITY Indonesian Journal of Innovation Studies Jurnal Kajian Konstitusi Equivalent: Jurnal Ilmiah Sosial Teknik IIJSE
Soetijono, Iwan Rachmad
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Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Reconstruction of the Regulation on the Validity Period of the Power of Attorney to Charge Mortgage Rights (SKMHT) in MSME Credit to Ensure Legal Certainty Wibowo, Ihsan Ariyanto; Adonara, Firman Floranta; Soetijono, Iwan Rachmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9048

Abstract

The provision of credit to Micro, Small, and Medium Enterprises (MSMEs) often uses a Power of Attorney to Charge Mortgage Rights (SKMHT) as the initial binding of collateral before making a Deed of Granting Mortgage Rights (APHT). However, the regulation of the SKMHT period creates legal uncertainty, especially regarding Article 15 paragraphs (3) and (4) of the Mortgage Rights Law and banking technical provisions. The ambiguity of norms affects legal protection for creditors and debtors and may cause disputes in executing collateral.This research first analyzes the regulations on the SKMHT period and the vagueness of norms in MSME credit with land collateral. Second, it evaluates the reconstruction of ideal norms for SKMHT period settings to ensure legal certainty and protection in MSME credit practices.The research uses three approaches: the Statute Approach to examine SKMHT regulations, the Conceptual Approach to analyze legal doctrines, and the Comparative Approach to compare legal arrangements or court decisions from other countries.Three legal theories are applied: Legal Certainty Theory to resolve SKMHT term issues, Legal Protection Theory to analyze protection for creditors and debtors, and Responsibility Theory to review obligations of parties in MSME credit.The results show unclear norms cause legal uncertainty, and failure to convert SKMHT into APHT results in nullity. Therefore, reconstruction of SKMHT term norms in MSME credit with land collateral is required to ensure permanent legal force.
Co-Authors Ana, Ida Bagus Oka Anggraini, R.A Rini Antikowati Antikowati Aziza, Annisau Zahraun Efendi, Aan Firman Floranta Adonara Jayus Jayus Kumalasari, Nuzulia Mirza, Ahmad Chaidir Muhammad Bahrul Ulum Munfida, Nuris Sabilatul Nugraha, Delsa Wahyu Nugraha, Reyka Widia Nugroho, Rizal Prasetya, Syadila Maulidina Putri, Elia Cahya R.A. Rini Anggraini Ramadhani, Nuzul Putri Rosita Indrayati Saputro, Kresna Dwi Setyawan , Fendi Wibowo, Ihsan Ariyanto