This research aims to analyze the legal consequences of using a Power of Attorney to Encumber Mortgage Rights (SKMHT), focusing on creditor protection when mortgage rights are not registered at the Land Office. Legal uncertainty arises for creditors when SKMHT, intended as a temporary measure, is not followed by the Deed of Granting of Mortgage Rights (APHT) and registration. This non-registration potentially harms creditors by depriving them of preferential rights in collateral execution. The urgency of this study is driven by the frequent use of SKMHT in banking and financial practices, which often lack proper legal follow-up, creating loopholes that disadvantage creditors. Using a normative juridical method. The novelty lies in exploring the legal risks faced by creditors due to non-registration, a topic that has received limited attention in prior studies. This research fills a gap by examining practical risks and proposing legal solutions to emphasize the importance of legal certainty in collateral execution. The findings show that creditors who fail to register mortgage rights after SKMHT issuance lose legal protection, making it crucial for creditors to act promptly and follow up with APHT within legal time limits. Doing so ensures execution power and prevents significant losses if debtors default. Legal reforms are essential to enhance protection and certainty in Indonesia’s debt security framework.


Penelitian ini bertujuan menganalisis akibat hukum penggunaan SKMHT, khususnya terkait perlindungan kreditur ketika hak tanggungan tidak didaftarkan di Kantor Pertanahan. Ketidakpastian hukum yang dialami kreditur saat SKMHT, yang seharusnya bersifat sementara, tidak diikuti oleh pembuatan APHT dan pendaftaran di Kantor Pertanahan. Ketidakdaftaran ini berpotensi merugikan kreditur karena mereka kehilangan hak preferen dalam eksekusi jaminan. Urgensi penelitian ini didasarkan pada meningkatnya penggunaan SKMHT dalam praktik perbankan dan lembaga pembiayaan, yang sering kali tidak diikuti oleh langkah hukum yang semestinya, sehingga menimbulkan celah hukum yang merugikan kreditur. Penelitian ini menggunakan metode yuridis normatif. Kebaruan dari penelitian ini terletak pada analisis mendalam mengenai akibat hukum bagi kreditur ketika pendaftaran hak tanggungan tidak dilakukan, yang belum banyak dibahas dalam penelitian sebelumnya, penelitian ini mengeksplorasi konsekuensi praktis dan risiko yang dihadapi kreditur, serta memberikan solusi hukum yang menyoroti pentingnya kepastian hukum dalam eksekusi jaminan, mengisi celah dalam literatur sebelumnya mengenai kurangnya membahas perlindungan kreditur dalam konteks non-registrasi. Hasil penelitian menunjukkan bahwa kreditur yang tidak segera mendaftarkan hak tanggungan setelah penerbitan SKMHT kehilangan perlindungan hukum yang efektif dalam eksekusi jaminan. Penggunaan SKMHT tanpa pendaftaran hak tanggungan membawa risiko hukum signifikan bagi kreditur, penting bagi kreditur untuk segera menindaklanjuti SKMHT dengan APHT sesuai dengan batas waktu yang ditetapkan oleh undang-undang yang memberikan kekuatan eksekusi dan mencegah kerugian yang signifikan jika debitur gagal memenuhi kewajibannya dan diperlukan reformasi hukum untuk meningkatkan kepastian dan perlindungan hukum dalam sistem jaminan utang di Indonesia.

Marriage in the Christian context is considered sacred because it is established by God as a depiction of the union between Christ and His church. However, the current reality shows a lack of holiness in Christian marital relationships. This writing addresses this issue by referencing biblical texts and the realities of Christian life. This paragraph explores theological views on the husband – wife relationship, emphasizing the importance of Christ's love and humility in marriage, as taught in Ephesians 5:22-25. Additionally, it highlights the importance of premarital counseling in preparing couples for the challenges of marriage. Psalm 90:10 is also used as a guide for facing difficulties and suffering in life. By considering biblical guidance and life realities, this writing emphasizes the importance of involving God in every aspect of marital life. The research method used is a theological approach, examining various biblical texts connected to Ephesians 5:22-25 and theologians' interpretations.