Perlindungan Hukum bagi Bank (Kreditur) bila Debitur Kredit Macet dengan Jaminan Hak Cipta

Abstract

One of the economic development forms is the existence of the developed companies in all
fields, both services and goods. In order to be able to develop a company in line with the
plan and to be successful, it certainly needs capital support (fund) which can be obtained
from Banking Institution with a collateral form called Patent Right. This research is
juridical-normative (legal research), that is the research focused on analysing rules or
norms in positive law. The research concludes that Patent Right can be made as the main
collateral of credit agreement because it can be categorized as intangible moving object
which has economic value. However, because Patent Right is a new collateral form, it is
difficult to assess its economic value and there is no regulation of it. In practice the
Banking Institution has not been able to accept Patent Right as the main collateral, but
only as additional collateral.
Key Words : Bank, Collateral, Patent Right