Fajar, Fadillah (2015) Tinjauan yuridis penandatanganan surat kuasa membebankan hak tanggungan (SKMHT) oleh debitur berdasarkan sertipikat atas nama pewaris. Masters thesis, Universitas Pelita Harapan.
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Abstract
The provisions 1 paragraph 2 of the Law of the Republic of Indonesia Number 10
of 1998 on the Amendment of the Law of the Republic of Indonesia Number 7 of
1992 concerning Banking stated that banks are business entities that raise funds
from the public in the form of deposits, and distribute it to the public, in order
improve the standard of living of the people. Considering the importance of the
credit funds in the development process, it should if the giver and the recipient of
credit and other relevant parties have protection through a strong guarantee rights
institutions and which can provide legal certainty for all interested parties. In
Article 51 of the Law of the Republic of Indonesia Number 5 of 1960 on the Basic
Regulation of Agrarian already provided strong guarantee rights institutions,
namely the Mortgage that can be imposed on the right to land in lieu hypotheek
and credietverband. During the 30 (thirty) years since the enactment of the Basic
Agrarian Law, Mortgage institution is not able to function properly, because there
are no laws or regulations governing comprehensively. Power of Attorney
Imposing Mortgage (SKMHT) is a power of attorney granted to the creditor
Mortgage giver as a receiver to charge Encumbrance over the object. SKMHT a
special power of attorney that authorizes the lender to impose any encumbrance.
Principally same as the legal acts of the parties to the imposition of the Power of
Attorney Imposing Mortgage (SKMHT) done before PPAT set forth in the Deed
Power of Attorney Imposing Mortgage (SKMHT) which has been prescribed form
(format) the contents in advance by the National Land Agency (BPN). The
binding is accomplished by assurance order to banking Act SKMHT have legal
certainty in accordance with the provisions of the Law of the Republic of
Indonesia Number 10 of 1998. SKMHT a power of attorney given by the owner
of collateral to the creditor as a condition for binding guarantees in obtaining
credit facilities from lenders. The practice of signing the Power of Attorney
Imposing Mortgage based certificate on behalf of the testator after signing the
Credit Agreement was followed by signing a Power of Attorney Imposing
Mortgage. Many steps that must be met prior to their right switchover registered
file in the National Land Agency. That is if the binding process with the bank
guarantee on condition that the certificate is still registered in the name of the heir,
risk creating legal loopholes that can be performed by the debtor. / Ketentuan Pasal 1 angka 2 Undang-Undang Republik Indonesia Nomor 10 Tahun
1998 tentang Perubahan Atas Undang-Undang Republik Indonesia Nomor 7
Tahun 1992 tentang Perbankan menyatakan bahwa bank adalah badan usaha yang
menghimpun dana dari masyarakat dalam bentuk simpanan, dan menyalurkannya
kepada masyarakat, dalam rangka meningkatkan taraf hidup rakyat banyak.
Mengingat pentingnya dana perkreditan tersebut dalam proses pembangunan,
sudah semestinya jika pemberi dan penerima kredit serta pihak lain yang terkait
mendapat perlindungan melalui suatu lembaga hak jaminan yang kuat dan yang
dapat memberikan kepastian hukum bagi semua pihak yang berkepentingan.
Dalam Pasal 51 Undang-Undang Republik Indonesia Nomor 5 Tahun 1960
tentang Peraturan Dasar Pokok-Pokok Agraria sudah disediakan lembaga hak
jaminan yang kuat, yaitu Hak Tanggungan yang dapat dibebankan pada hak atas
tanah sebagai pengganti hypotheek dan credietverband. Selama 30 (tiga puluh)
tahun lebih sejak mulai berlakunya Undang-Undang Pokok Agraria, lembaga Hak
Tanggungan tersebut belum dapat berfungsi sebagaimana mestinya, karena belum
adanya undang-undang atau peraturan yang mengatur secara komprehensif. Surat
Kuasa Membebankan Hak Tanggungan (SKMHT) adalah surat kuasa yang
diberikan pemberi Hak Tanggungan kepada kreditur sebagai penerima Hak
Tanggungan untuk membebankan Hak Tanggungan atas objek Hak Tanggungan.
SKMHT merupakan surat kuasa khusus yang memberikan kuasa kepada kreditur
untuk membebankan hak tanggungan saja. Bahwa pada prinsipnya sama
mengenai perbuatan hukum para pihak atas pembebanan Surat Kuasa
Membebankan Hak Tanggungan (SKMHT) yang dilakukan dihadapan PPAT
dituangkan dalam Akta Surat Kuasa Membebankan Hak Tanggungan (SKMHT)
yang mana telah ditentukan bentuknya (format) isinya terlebih dahulu oleh Badan
Pertanahan Nasional (BPN). Pengikatan jaminan ini dilakukan dengan Akta
SKMHT agar perbankan mempunyai kepastian hukum sesuai dengan ketentuan
dalam Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang
Perbankan. SKMHT ini merupakan surat kuasa yang diberikan oleh pemilik
jaminan kepada kreditur sebagai syarat untuk pengikatan jaminan dalam
memperoleh fasilitas kredit dari pihak kreditur. Praktek penandatanganan Surat
Kuasa Membebankan Hak Tanggungan berdasarkan sertipikat atas nama pewaris
adalah setelah penandatanganan Perjanjian Kredit diikuti dengan
penandatanganan Surat Kuasa Membebankan Hak Tanggungan. Banyak tahapan
yang harus dipenuhi terlebih dahulu sebelum berkas didaftarkan peralihan haknya
di Badan Pertanahan Nasional. Artinya jika dalam proses pengikatan jaminan
pada bank dengan kondisi sertipikat yang masih terdaftar atas nama pewaris,
beresiko menimbulkan celah hukum yang dapat dilakukan oleh debitur.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Fajar, Fadillah NIM0000006956 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Tukgali, Lieke L. NIDN8826150017 UNSPECIFIED |
Additional Information: | T 56-13 FAJ T |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary |
Depositing User: | Phillips Iman Heri Wahyudi |
Date Deposited: | 28 Nov 2020 08:29 |
Last Modified: | 04 Aug 2022 03:13 |
URI: | http://repository.uph.edu/id/eprint/13018 |