Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : IIJSE

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 Adam Surya Putra Afifah Nur Azizah Angelin, Elmi Nada Anis Khafifah Ashfia Rosyalina Ariaza Ashfia Rosyalina Lailannaja Auliya Safira Putri Ayu Citra Santyaningtyas Azizah, Afifah Nur Bakhouya Driss, Bakhouya Chusnah, Syarifah Deny Akbar Santoso Doni Rian Ardiansyah Dyah Ochtorina Susanti Edi Wahjuni Effendi, A'an Emaniar, Melly Yunandita Erlita, Ita Ermanto Fahamsyah Etik Kurniawati Fahad Abd. Aziz Faran Tatika Fendi Setiawan Fendi Setyawan Fendi Setyawan Fendi Setyawan Fendy Setiawan Firza Nada Salsabila Fona Kartika Listiyapuji Gautama Budi Arundhati, Gautama Budi Gayatri, Annisa Zerlina Cindy Habib Adjie I Gede Widhiana Suarda I Wayan Yasa Ibrahim , Yusriel Billy Ilham Maulana Ivan Christian Wijaya Iwan Rachmad Soetijono, Iwan Rachmad Soetijono, Jeaneta Cahyaningsih Karin Jihananda Deriyanti Kartodiprodjo, Mikhael Putra Khoidin Khoidin Khoidin, Khoidin Kiswah, Maftuha Kumalasari, Nuzulia M. Kaisario H. Falah M.Virjohn Siyasi M.Virjohn Siyasi Maulida, Fidia Moh. Bahrul Ulum Mohammad Arief Amrullah Muh Fanny Chamdani Muhammad Hafidz Ridho Muthiurrohman, Achmad Naufal Pasya Lingga Ariaza Niswatu Filmadina Nurholis Majid, Nurholis Nurul Hasanah Nuzulia Kumala Sari Nuzulia Kumala Sari Okta, Enggita Anggraeni Permatasari, Intan Permatasari Prakoso, Bhim Prakoso, Chrisdrianto Aji Prasetiyo, Rio Wibowo Agung Putra, Ach Rofiki Putra, Ido Gustiawan Putra, Ramadhani Hidayat Priyono Putri, Auliya Safira Rahmadi Indra Tektoka Rahmadi Indra Tektona Rita Bayu Astuti Rukaman Wibisono, Wina Febrianti Samuel Saut Martua Samosir Santyaningtyas, Ayu Citra Setyawan , Fendy Shilvya, LIke Olivia Soetijono, Iwan Rachmad Sonia Wijaya Putra Suhayati, Kurniyah Sunardi, Arwin Ardianto Taniady, Vicko Tasya Monica Tektoka, Rahmadi Indra Wahjuni, Edi Wahjuni, Edi Wibowo, Ihsan Ariyanto Wijaya, Ersalmaika Aprilian Y. A. Triana Ohoiwutun, Y. A. Triana Yanwar Triya Nurjanah Yunita Pramesti Ardi Nurva Yusuf Adiwibowo, Yusuf