The Power of Attorney Imposes Dependent Rights in Banking Credit Agreements (Study on PT. Bank Syariah Indonesia Medan Ahmad Yani Branch)

This study aims to determine legal certainty in the issuance of a Power of Attorney to Charge Mortgage Rights (SKMHT) and its implementation, which is followed by the Deed of Granting Mortgage Rights (APHT) at Bank Syariah Indonesia (BSI) Ahmad Yani Medan. The research method used is empirical normative legal research, combining normative and empirical juridical approaches. The data used are primary and secondary, obtained through literature study and interviews. The results show that SKMHT is used when the debtor is unable to appear before the Notary/PPAT, provided the grantor has legal authority over the mortgaged object. At BSI, SKMHT is implemented through verification of original and complete documents, then submitted to BSI's partner notary to be upgraded into APHT by the PPAT. SKMHT is necessary to ensure the credit agreement can proceed even if the debtor cannot be present in person.