Seeking a Legally Certain Framework for the use of Intellectual Property Rights as Collateral for Bank Loans in Indonesia
DOI:
https://doi.org/10.33474/yur.v9i2.25381Keywords:
Legal Certainty, Intellectual Property Rights, Fiduciary Security, Bank Credit, Law EnforcementAbstract
In addition to normative issues, the fluctuating value of IPR may cause banks to hesitate in granting loans secured by IPR, com-pounded by the limited duration of IPR protection. This study aims to examine several regulations to formulate an ideal scheme for the application of IPR as fiduciary collateral. The method used is normative research employing a legal and conceptual ap-proach. The findings indicate that, although regulations have es-tablished that IPR can be used as collateral for bank loans, this does not automatically mean that IPR holders can easily obtain credit facilities, as banks tend to be far more cautious. In addi-tion to the lack of complementary regulations between IPR and banking regulations, the inherently fluctuating value of IPR also contributes to this issue. There is a need for a framework that can protect all parties, including standardisation of IPR valuation, specific registration of IPR as collateral, integration of data from the Directorate General of Intellectual Property (DJKI), the Fi-nancial Services Authority and the banking sector, the establish-ment of fiduciary agreements, monitoring of collateral value, and enforcement mechanisms in the event of default. The contribu-tion of this study is to analyse issues related to enforcement mechanisms and to develop a fair framework from the perspec-tive of intellectual property law as collateral in the banking sec-tor, so that the interests of all parties are protected, particularly in terms of legal certainty.
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OK, Saidin. Aspek Hukum Hak Kekayaan Intelektual (Intellectual Property Rights). Jakarta: Raja Grafindo, 2019.
Prasetyo, Ramadhio Adi. ‘Hak Kekayaan Intelektual (Hak Cipta) Sebagai Objek Waris Dalam Hukum Perdata’. JIPRO: Journal of Intellectual Property 5, no. 1 (June 2022): 58–75, https://journal.uii.ac.id/JIPRO/article/view/26907.
Prihatin, Lilik, Maria Yosepin Endah Listyowati, and Thomas Ichfan Hi-dayat. ‘Perlindungan Hak Kekayaan Intelektual: Sebuah Esensial Hak Cipta Pada Era Revolusi Industri 4.0’. UNES Law Review 6, no. 4 (July 2024): 11321–29, https://review-unes.com/law/article/view/2081.
Purwaningsih, Muslikh Endang, and Nunuk Fajri Chikmawati. Hak Kekayaan In-telektual dan Investasi: Kajian HKI Dalam Dunia Investasi Termasuk Pada UMKM. Malang: Setara Press, 2019.
Ramadhani, Kevin Almer, and Hervin Yoki Pradikta. ‘Analisi Tentang Hak Kekayaan Intelektual Sebagai Harta Waris’. El-Izdiwaj: Indonesian Journal of Civil and Islamic Family Law 6, no. 2 (December 2025): 147–64, https://ejournal.radenintan.ac.id/index.php/ElIzdiwaj/article/view/29315.
Reskin, Gerid Williem Karlosa, and Wir-dyaningsih. ‘Pengaturan Hak Kekayaan Intelektual Sebagai Jaminan Utang Menurut PP Nomor 24 Tahun 2022’. PALAR (Pakuan Law Review) 8, no. 4 (December 2022): 193–206, https://journal.unpak.ac.id/index.php/palar/article/view/6857.
Rizkiawan, Teguh. ‘Kekayaan Intelektual Sebagai Objek Jaminan Kredit Per-bankan: Prospek dan Kendala’. Lex Renaissance 7, no. 4 (2022): 883–94. https://doi.org/10.20885/JLR.vol7.iss4.art13.
Rongiyati, Sulasi. ‘Pelindungan Hukum Hak Kekayaan Intelektual Pada Produk Ekonomi Kreatif (Protection Of Intel-lectual Property Rights On Creative Economic Products)’. Negara Hukum: Membangun Hukum Untuk Keadilan dan Kesejahteraan 9, no. 1 (June 2017): 39–58. https://doi.org/10.22212/jnh.v9i1.1001.
Santoso, Tasa Gina. ‘Analisa Hukum Atas Pengaturan Aset Hak Kekayaan Intel-ektual Sebagai Objek Jaminan Fidusia’. JIPRO: Journal of Intellectual Property 7, no. 1 (June 2024): 40–53. https://journal.uii.ac.id/JIPRO/article/view/34325.
Simatupang, Taufik H. ‘Hak Asasi Manusia dan Perlindungan Kekayaan Intel-ektual Dalam Perspektif Negara Hukum’. Jurnal HAM 12, no. 1 (April 2021): 111–22. https://doi.org/10.30641/ham.2021.12.111-122.
Sri Imaniyati, Neni, Asep Hakim Zakiran, Jejen Hendar, Ahmad Faizal Adha, and Rimba Supriatna. Hukum Kekayaan Intelektual: Kekayaan Intel-ektual, Hak Kekayaan Intelektual, Hak Cipta, Paren, dan Merek. Jakarta: Kencana, 2024.
Suheri, Sumartian, and M. S. Tumangor. ‘Analisis Teori Positivisme Hukum: Pemikiran John Austin dan H.L.A. Hart Dalam Bingkai Negara Hukum’. Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial 4, no. 1 (June 2026): 2381–93, https://pchukumsosial.org/index.php/pchs/article/view/367.
Syaifudin, Ahmad. ‘Mengungkap Hukum Jaminan Konvensional dan Syariah Da-lam Perjanjian Bisnis’. Yurispruden: Jurnal Fakultas Hukum Universitas Is-lam Malang 7, no. 2 (June 2024): 254–70. https://doi.org/10.33474/yur.v7i2.21263.
Tuwan, Frederick Septian, and Ariawan Gunadi. ‘The Effectiveness of Execut-ing a Personal Guarantee as Security in Resolving Non-Performing Loans in Indonesia’. Lambung Mangkurat Law Journal 10, no. 1 (May 2025): 48–57, https://lamlaj.ulm.ac.id/index.php/abc/article/view/209.
United Nations Commission on International Trade Law. ‘Working Group VI: Secu-rity Interests’. United Nations Com-mission on International Trade Law, United Nations Commission on Inter-national Trade Law. Accessed 1 Au-gust 2026. https://uncitral.un.org/en/working_groups/6/security_interests.
Usanti, Trisadini Prasastinah. ‘Lahirnya Hak Kebendaan’. PERSPEKTIF: Kajian Masalah Hukum dan Pembangunan 17, no. 1 (January 2012): 44–53. https://doi.org/10.30742/perspektif.v17i1.93.
Usman, Rachmadi. Hukum Jaminan Keben-daan Tanah Hak Tanggaungan. Ma-lang: PT. Literasi Nusantara Abadi Grup, 2024.
Wahyuni, Willa. ‘Hak Kekayaan Intelektual Serta Dasar Hukumnya’. hukumonline.com. Accessed 31 July 2026. https://www.hukumonline.com/berita/a/hak-kekayaan-intelektual-serta-dasar-hukumnya-lt623304dc7749d/.
WIPO. ‘Valuing Intellectual Property As-sets’. Business. Accessed 1 July 2026. https://www.wipo.int/en/web/business/ip-valuation.
Ziliwu, Alfonsus Syukur Hadirat, Utusama Ndruru, Jaminuddin Marbun, and Alusianto Hamonangan. ‘Injauan Yuridis Non Fungible Token (Nft) Dari Aspek Hukum Benda dan Hak Kekayaan Intelektual’. Jurnal Rectum: Tinjauan Yuridis Penanganan Tindak Pidana 5, no. 1 (January 2023): 1237–46. https://doi.org/10.46930/jurnalrectum.v5i1.2962.
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08.08.2026
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Darwance, Rafiqa Sari, Fabiola Nurul Oktavianingrum, and Almaududi. “Seeking a Legally Certain Framework for the Use of Intellectual Property Rights As Collateral for Bank Loans in Indonesia”. Yurispruden 9, no. 2 (August 8, 2026): 248-68. https://doi.org/10.33474/yur.v9i2.25381.
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