Legal Review of Copyright as Fiduciary Guarantee on Credit Agreements in Sharia Banking Financial Institutions
DOI:
https://doi.org/10.23917/jtl.v6i2.8613Keywords:
Copyright, Fiduciary Guarantee, Credit AgreementAbstract
Copyright certificates for songs can be an object of fiduciary collateral in baking making it easier for creative economy actors to obtain credit. The problem of this research is what are the legal aspects of using copyright certificates as fiduciary collateral in credit agreements and what is the legal protection of banking financial institutions against the execution process. The aim and benefit of this research is to determine the legal aspects of using copyright certificates as fiduciary collateral in credit agreements and the protection of banking financial legal institutions against the execution process. This research method uses normative juridical research which uses a legal and conceptualization approach with data collection methods from literature studies and interviews. Based on research results, banking financial institutions have not accepted copyright certificates as objects of fiduciary collateral because they did not receive socialization from the central bank and weakened copytight market segmentation, making it difficult for the execution process when debtors default. Therefore, the use of copyright certificates in banking refers to the Fiduciary Guarantee Law, Copyright Law, Creative Economy Law and Creative Economy PP and the existence of legal protection, both preventive, namely in collaboration with LMKN and repressive through litigation and non-litigation against banks, is expected to be able to reduce risk and make it easier for banks to carry out the executions process when debtors default.
Downloads
References
Hafid Hudzaefi, Udin Saripudin, & Liza Dzulhijjah. (2023). Analisis Fikih Muamalah dan UU Terkait Nilai Hak Cipta Sebagai Objek Jaminan Fidusia. Jurnal Riset Ekonomi Syariah, 3(2), 119–126. Https://Doi.Org/10.29313/Jres.V3i2.2815
I.J., A. (2022). Apakah Indonesia Negara Berkembang atau Maju?
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan. (2024a). Pengertian Arbitrase. Https://Lapssjk.Id/Pengertian-Arbitrase/
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan. (2024b). Pengertian Mediasi. Https://Lapssjk.Id/Pengertian-Mediasi/
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan. (2024c). Pengertian Pendapat Mengikat. Https://Lapssjk.Id/Pengertian-Pendapat-Mengikat/
Niscaya, N. (2022). Dukungan Pembiayaan Ekonomi Kreatif Dengan Jaminan Kekayaan Intelektual. Webinar Prospek Hak Kekayaan Intelektual (HKI) Sebagai Jaminan Utang, 18.
Peraturan Bank Indonesia No. 14/15/PBI/2012 Tentang Penilaian Kualitas Aset Bank Umum (2012).
Peraturan Pemerintah Nomor 24 Tahun 2022 Tentang Ekonomi Kreatif (2022).
Silaban, A. P. (2020). Tinjauan Yuridis Terhadap Hak Cipta Sebagai Jaminan Fidusia (Issue Copyright, Fiduciary Guarantee). Universitas Muhammadiyah Sumatera Utara.
Surat Keputusan Menteri Hukum Dan Hak Asasi Manusia Republik Indonesia Nomor. HKI.2.OT.03.01-02 Tahun 2016 Tentang Pengesahan Tarif Royalti Untuk Pengguna Yang Melakukan Pemanfaatan Komersial Ciptaan Dan/Atau Produk Hak Terkait Musik Dan Lagu (2016).
Undang-Undang Nomor 24 Tahun 2019 Tentang Ekonomi Kreatif (2019).
Undang-Undang Nomor 28 Tahun 2014 Tentang Hak Cipta (2014).
Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia (1999).
Wahyuningsih, L. (2023). Hak Cipta Sebagai Objek Jaminan Fidusia Di Perbankan Syariah Perspektif Hukum Islam [Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto]. Https://Repository.Uinsaizu.Ac.Id/19595/1/Lutfi Wahyuningsih_Hak Cipta Sebagai Objek Jaminan F.Pdf
Widiyanto, J. (2024). Disarikan Dari Hasil Wawancara Kasi Kredit.
