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Intellectual Property as Fiduciary Collateral in Indonesian Banking: Legal Guarantees and Creative Economy Financing

Pandecta Research Law Journal · Vol. 21 No. 2 (2026) · hlm. 255–274

DOI
10.15294/pandecta.v21i2.33068
ISSN
2337-5418, 1907-8919
Terbit
2026-08-13
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Indonesia recognizes intellectual property rights (IPR) as intangible movable assets that may secure financing, yet banking practice still treats IPR as marginal collateral. This study examines how Indonesian law positions IPR as fiduciary collateral, what legal guarantees protect banks and creative economy actors, and why implementation remains limited after Government Regulation No. 24/2022. Using normative legal research, this article analyzes the Copyright Law, Patent Law, Fiduciary Guarantee Law, Creative Economy Law, Government Regulation No. 24/2022, OJK Regulation No. 40/POJK.03/2019, and the 2025 regulation on intellectual property valuers. The analysis is supported by official creative economy data and comparative case studies from Singapore, the United Kingdom, and the United States. The findings show that copyright and patent rights can be bound through fiduciary security because they are transferable economic rights with asset value. The legal guarantees consist of a notarized fiduciary deed, registration, preference rights, third-party enforceability, and execution rights after default. The main implementation gap lies in valuation, secondary market uncertainty, and the absence of IPR from the collateral categories recognized for bank provisioning under OJK asset-quality rules. The novelty of this article lies in connecting IPR doctrine, fiduciary security, prudential banking regulation, and the new Indonesian framework for registered intellectual property valuers.

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  • State University of Semarang
  • Universitas Wahid Hasyim
  • Universiti Teknologi MARA
  • National Research and Innovation Agency
  • Sapienza University of Rome
  • Diponegoro University
  • Indonesia Open University
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Rekan penulisOrganisasiArtikel bersama
Dewi SulistianingsihState University of Semarang8
Septhian Eka AdiyatmaState University of Semarang5
Saru ArifinState University of Semarang5
Slamet SumartoState University of Semarang4
Tegar Islami PutraState University of Semarang4
Rahmawati Mohd YusoffUniversiti Teknologi MARA3
Muhammad Shidqon PrabowoUniversitas Wahid Hasyim3
Vera Bararah BaridNational Research and Innovation Agency3
Malik Akbar Mulki RahmanState University of Semarang3
Rahmawati PrihastutyState University of Semarang2
Pradipta Christy PratiwiState University of Semarang2
Dyah Ayu RahmawatiState University of Semarang2
Arif Nur HidayatState University of Semarang2
Arif HidayatState University of Semarang2
Triska Rahmatul AiniSapienza University of Rome2
Yuli Prasetyo AdhiDiponegoro University2
Ade KosasihUniversitas Islam Negeri Fatmawati Sukarno Bengkulu2
M Jeffri Arlinandes ChandraIndonesia Open University2
Dwi LestariState University of Semarang2
Fadhilah Rizky Aftriani PutriState University of Semarang2
Uche NnawuleziBowen University2
Suhadi SuhadiState University of Semarang2
Eko MukmintoState University of Semarang2
Moh. Iqbal MabruriState University of Semarang1
Santi RohmawatiState University of Semarang1
Inge Widya Pangestika PratomoState University of Semarang1
Natal KristionoState University of Semarang1
Pujiono PujionoState University of Semarang1
Satrio Sakti NugrohoUniversidade Católica Portuguesa1
Kun Retno HandayaniState University of Semarang1
Indah Sri UtariState University of Semarang1
Elyna Noor Dina NazlaAfiliasi tidak diketahui1
Dani MuhtadaState University of Semarang1
Yurida Zakky UmamiUniversitas Wahid Hasyim1
Ristina YudhantiState University of Semarang1
Ratih DamayantiState University of Semarang1
Bayangsari WedhatamiState University of Semarang1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/pandecta/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Intellectual Property as Fiduciary Collateral in Indonesian Banking: Legal Guarantees and Creative Economy Financing</dc:title>
	<dc:creator xml:lang="en">Junaedi, Ulil Albab</dc:creator>
	<dc:creator xml:lang="en">Wahanisa, Rofi</dc:creator>
	<dc:creator xml:lang="en">Martitah, Martitah</dc:creator>
	<dc:subject xml:lang="en">Intellectual Property Rights</dc:subject>
	<dc:subject xml:lang="en">Fiduciary Collateral</dc:subject>
	<dc:subject xml:lang="en">Banking Law</dc:subject>
	<dc:subject xml:lang="en">Creative Economy</dc:subject>
	<dc:subject xml:lang="en">Credit Guarantee</dc:subject>
	<dc:description xml:lang="en">Indonesia recognizes intellectual property rights (IPR) as intangible movable assets that may secure financing, yet banking practice still treats IPR as marginal collateral. This study examines how Indonesian law positions IPR as fiduciary collateral, what legal guarantees protect banks and creative economy actors, and why implementation remains limited after Government Regulation No. 24/2022. Using normative legal research, this article analyzes the Copyright Law, Patent Law, Fiduciary Guarantee Law, Creative Economy Law, Government Regulation No. 24/2022, OJK Regulation No. 40/POJK.03/2019, and the 2025 regulation on intellectual property valuers. The analysis is supported by official creative economy data and comparative case studies from Singapore, the United Kingdom, and the United States. The findings show that copyright and patent rights can be bound through fiduciary security because they are transferable economic rights with asset value. The legal guarantees consist of a notarized fiduciary deed, registration, preference rights, third-party enforceability, and execution rights after default. The main implementation gap lies in valuation, secondary market uncertainty, and the absence of IPR from the collateral categories recognized for bank provisioning under OJK asset-quality rules. The novelty of this article lies in connecting IPR doctrine, fiduciary security, prudential banking regulation, and the new Indonesian framework for registered intellectual property valuers.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-08-13</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/pandecta/article/view/33068</dc:identifier>
	<dc:identifier>10.15294/pandecta.v21i2.33068</dc:identifier>
	<dc:source xml:lang="en">Pandecta Research Law Journal; Vol. 21 No. 2 (2026): December, 2026 (In Press); 255-274</dc:source>
	<dc:source>2337-5418</dc:source>
	<dc:source>1907-8919</dc:source>
	<dc:source>10.15294/pandecta.v21i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/pandecta/article/view/33068/11140</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Ulil Albab Junaedi, Martitah Martitah (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>