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Crowdfunding-Based Fiduciary Warrant in Providing Capital Loans for Small and Medium Enterprises

Hasanuddin Law Review (HALREV) · Vol. UME (2020) · pp. 224–231

DOI
10.20956/halrev.v6i3.2201
ISSN
2442-9899, 2442-9880
Published
2020-12-08
Publisher
Faculty of Law, Hasanuddin University
Language
eng

Abstract

Small and Medium Enterprises (SMEs) are organized through people's creativity in developing human and natural resources. However, investment challenges often affect their implementation and production processes, necessitating solutions, such as capital loans from banks and other entities. Crowdfunding is an online loaning service that provides easily accessible loans to SME startups, though a warrant to protect creditors from losing money to ingenuine people is necessary. Therefore, this study examines the appropriateness of a fiduciary warrant as a SMEs collateral object. When fiduciary is used as a loan warrant, debtors are allowed to use collateral objects in their production processes. To make a fiduciary warrant effective, legal protection is required. This study used juridical-normative that relied on legal norms in legislation and court verdicts dealing with societal organizational issues. The results showed that crowdfunding-based credit is an alternative with more straightforward procedures compared to conventional entities.

Keywords

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2 authors · 1 co-authorship link

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  • Universitas Hang Tuah
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Qonitah Annur AzizaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://pasca.unhas.ac.id/ojs/index.php/halrev/oai, first harvested 28 Oct 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Crowdfunding-Based Fiduciary Warrant in Providing Capital Loans for Small and Medium Enterprises</dc:title>
	<dc:creator>Nugraheni, Ninis</dc:creator>
	<dc:subject xml:lang="en-US">Crowdfunding</dc:subject>
	<dc:subject xml:lang="en-US">Capital Loans</dc:subject>
	<dc:subject xml:lang="en-US">Fiduciary</dc:subject>
	<dc:subject xml:lang="en-US">Small and Medium Enterprises</dc:subject>
	<dc:description xml:lang="en-US">Small and Medium Enterprises (SMEs) are organized through people's creativity in developing human and natural resources. However, investment challenges often affect their implementation and production processes, necessitating solutions, such as capital loans from banks and other entities. Crowdfunding is an online loaning service that provides easily accessible loans to SME startups, though a warrant to protect creditors from losing money to ingenuine people is necessary. Therefore, this study examines the appropriateness of a fiduciary warrant as a SMEs collateral object. When fiduciary is used as a loan warrant, debtors are allowed to use collateral objects in their production processes. To make a fiduciary warrant effective, legal protection is required. This study used juridical-normative that relied on legal norms in legislation and court verdicts dealing with societal organizational issues. The results showed that crowdfunding-based credit is an alternative with more straightforward procedures compared to conventional entities.</dc:description>
	<dc:publisher xml:lang="en-US">Faculty of Law, Hasanuddin University</dc:publisher>
	<dc:date>2020-12-08</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://pasca.unhas.ac.id/ojs/index.php/halrev/article/view/2201</dc:identifier>
	<dc:identifier>10.20956/halrev.v6i3.2201</dc:identifier>
	<dc:source xml:lang="en-US">Hasanuddin Law Review; VOLUME 6 ISSUE 3, DECEMBER 2020; 224-231</dc:source>
	<dc:source>2442-9899</dc:source>
	<dc:source>2442-9880</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://pasca.unhas.ac.id/ojs/index.php/halrev/article/view/2201/689</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2020 Hasanuddin Law Review</dc:rights>
</oai_dc:dc>