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 KreditAbstract
In addition to normative issues, the fluctuating value of IPR may cause banks to hesitate in granting loans secured by IPR, compounded 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 approach. The findings indicate that, although regulations have established 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 addition 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 Financial Services Authority and the banking sector, the establishment of fiduciary agreements, monitoring of collateral value, and enforcement mechanisms in the event of default. The contribution of this study is to analyse issues related to enforcement mechanisms and to develop a fair framework from the perspective of intellectual property law as collateral in the banking sector, so that the interests of all parties are protected, particularly in terms of legal certainty.
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