PEMANFAATAN SERTIFIKAT HKI SEBAGAI COLLATERAL KREDIT

Akhmad Junaidi, Muhammad Joni

Abstract


Intellectual Property Rights (IPRs) in developed countries have increased their use as collateral to obtain loans or financing from financial institutions. The economic value of IPR can be determined by calculating the market value for example, the cost of making/reproduction, depreciation replacement cost, liquidation value, and value of insurance. The problem faced in Indonesia is the unavailability of the provisions on the use of IPR as collateral in loans, the banking system. The purpose utilizes IPR as collateral loan is to assist SMEs and Cooperatives in completing the credit requirements. Although the IPR can be used as loan collateral, but the position in the underwriting agreement to an additional agreement complements the primary credit agreement. This research uses descriptive analysis to conduct focused literature review to explore an important role, IPR rules and regulations guarantee bank lending in Indonesia. IPR has the prospect to be used as collateral for loans, because the IPR has an economic value can be calculated based on market prices, can be executed, can be transferred either wholly or partly by inheritance, grants, wills, written agreement or other causes that are justified by the law of rules. In addition, the loan guarantee agreement, including the use of IPRs as collateral is generally associated with the raw action and executorial. 


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Copyright © 2015 SMECDA Jurnal. Jurnal Pengkajian KUKM (Print ISSN 1978-2896). Ministry of Cooperatives and SMEs Republic of Indonesia.