USE OF COPYRIGHT AS CREDIT COLLATERAL IN BANKING IN INDONESIA

Abstract

Copyright is basically a material asset that has commercial (economic) value. If classified as a company asset, copyright is included in the intangible asset category. In Indonesia, regulations regarding banking guarantees in intellectual property have been contained in statutory regulations, for example Law no. 28 of 2014 concerning Copyright , However, the application of copyright as collateral in various countries still faces various obstacles and differences, both in terms of regulations, mechanisms and practice. Based on the results of the research and discussion, it can be concluded. First The use of copyright as collateral for banking credit in Indonesia has great prospects and potential, considering the increasingly rapid development of creative industries and innovation in the digital era. Copyright regulations as collateral for banking credit have been accommodated in Law No. 28 of 2014 concerning Copyright and Government Regulation Number. 24 of 2022 concerning Credit Guarantees with Intellectual Property Rights. Using copyright as collateral for banking credit can have a positive impact on national development, namely encouraging economic growth, social welfare, awareness and respect for copyright, legal culture and social justice. Second The model for using Copyright as collateral for banking credit in Indonesia is that Copyright has economic value and can be used as an object of banking credit collateral through fiduciary guarantees. To be used as collateral for banking credit, Copyright must meet the criteria that have been set, such as having economic value. , registered with the Directorate General of Intellectual Property Rights (Dirjen IPR) in accordance with the provisions of Law of the Republic of Indonesia Number 42 of 1999 concerning Fiduciary Guarantees, is your own property and can be transferred or transferred, with these criteria Copyright Rights can be used as collateral in Banking Credit .