Legal Analysis of Mortgage Rights and the Power of Attorney to Impose Mortgage Rights (SKMHT) Under Indonesian Laws and Regulations
Keywords:
Mortgage Rights, SKMHT, Legal Certainty, Credit Agreement, Land LawAbstract
The regulation of mortgage rights and the Power of Attorney to Impose Mortgage Rights (SKMHT) plays a strategic role in guaranteeing legal certainty in credit agreements in Indonesia. In practice, however, the implementation of SKMHT frequently raises juridical issues, particularly regarding the period of validity, the authority of the grantor, and the legal consequences when the Deed of Granting Mortgage Rights (APHT) is not immediately executed. This study aims to analyze the legal position of mortgage rights and SKMHT within Indonesian laws and regulations, as well as to examine the legal protection afforded to creditors and debtors in their implementation. This research employs normative legal research using statutory, conceptual, and case approaches. The findings indicate that the existence of mortgage rights as a material security institution has provided stronger legal certainty for creditors, yet the practical implementation of SKMHT still encounters normative and technical obstacles. Inconsistencies in the implementation of regulations, administrative weaknesses, and limited public legal awareness often lead to legal uncertainty in credit agreements secured by land rights. Therefore, harmonization of regulations, strengthening the role of notaries and land deed officials, and stricter supervision mechanisms are necessary to ensure legal certainty and justice in the implementation of mortgage rights and SKMHT in Indonesia.
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