Kekayaan Intelektual Sebagai Aset Bisnis dan Jaminan Kredit Perbankan di Era Ekonomi Kreatif

Abstract

Abstract

Intellectual Property Rights (IPR) are obtained from person's intellectual results which are in tangible form, not just ideas but also in physical form. Along with development of era, HKI is one of objects fiduciary guarantees. This writing aims identify and analyze application and development intellectual property an object credit guarantees banking in era creative economy. Researchers use legal research methods with normative juridical approach using concept of positivist legis. This concept consider law identical with written norms which made and promulgated by institutions or authorized officials. The results study indicated that banking institutions in general known and understand IPR could be used as fiduciary guarantees. Which has been regulated in Intellectual Property Rights laws, including HC Law, Trademark Law and Geographical Indications, Patent Law and so on) as well as Fiduciary Guarantee Law. However, in practice, banking institutions often use intellectual property rights as objects of fiduciary guarantees in credit agreements. Efforts to develop Intellectual Property an object of fiduciary guarantee credit agreements in Banking through: Strengthening Legal Substance, Establishment IPR Appraisal Profession, Making Fiduciary Guarantees with Notary Deed, Integrated IP Online System at Ministry of Law and Human Rights, and IPR Market.

Keywords: intellectual property; guarantee; creative economy

Abstrak

Hak Kekayaan Intelektual (HKI) ialah hak yang didapat dari hasil intelektual individu yang tertuang dalam wujud nyata, tak hanya sebatas gagasan/ide namun terdapat wujud fisiknya. Seiring perkembangan zaman HKI ialah salah satu objek jaminan Fidusia. Penulisan ini bertujuan guna mengetahui dan menganalisis penerapan dan upaya pengembangan kekayaan intelektual sebagai objek jaminan kredit di Perbankan pada era ekonomi kreatif. Peneliti mempergunakan metode penelitian hukum melalui pendekatan yuridis normatif yakni mempergunakan konsep legis positivis. Konsep tersebut melihat hukum yang serupa dengan sejumlah norma tertulis yang dibuat serta diundangkan dari instansi ataupun pejabat berwenang. Hasil penelitian menunjukkan bahwa Lembaga perbankan pada umumnya secara hukum mengetahui dan memahami HKI dapat dijadikan jaminan fidusia. Hal ini sudah diatur di perundang-undangan HKI diantaranya UU HC, UU Merek serta Indikasi Geografis, UU Paten dan sebagainya) serta UU Jaminan Fidusia. Namun, dalam prakteknya lembaga perbankan tidak jarang menggunakan HKI selaku objek jaminan fidusia dalam perjanjian kredit. Upaya pengembangan Kekayaan Intelektual selaku objek jaminan fidusia pada perjanjian kredit di Perbankan melalui: penguatan substansi hukum, pembentukan profesi penilai/jasa penilai HKI, pembuatan jaminan fidusia dengan akta notaris, sistem terintegrasi ip Online di kementerian hukum dan hak asasi manusia, serta pasar HKI.

Kata kunci: kekayaan intelektual; jaminan; ekonomi kreatif