Analisis yuridis mekanisme penentuan nilai ekonomis jaminan fidusia terhadap perjanjian kredit dengan agunan hak cipta

Andre, Andre (2019) Analisis yuridis mekanisme penentuan nilai ekonomis jaminan fidusia terhadap perjanjian kredit dengan agunan hak cipta. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pasal 1 Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan menyatakan bahwa kredit merupakan fasilitas keuangan yang memungkinkan seseorang atau badan usaha untuk meminjam uang berdasarkan perjanjian dan membayarnya kembali dalam jangka waktu yang ditentukan.Syarat sahnya perjanjian diatur dalam Pasal 1320 KUH Perdata yaitu : sepakat mereka yang mengikatkan dirinya, kecakapan untuk membuat suatu perikatan, suatu hal tertentu, suatu sebab yang halal.Sejauh ini, agunan dalam perjanjian kredit masih dalam ruang lingkup yang sempit, yang mencakup barang bergerak dan benda tidak bergerak.Dalam perkembangannya Undang-Undang Hak Cipta, mengatur bahwa Hak Cipta dapat dijadikan agunan dalam perjanjian kredit berdasarkan skema jaminan fidusia. Tetapi dalam pelaksanaannya bank belum dapat menerima sebagai agunan kredit. Hak Cipta yang memiliki nilai ekonomis di Indonesa sesungguhnya sudah dapat digunakan sebagai objek jaminan fidusia. Dalam hal berupa pemberian agunan Hak Cipta, maka bank sebagai kreditur harus memperlakukannya sebagai jaminan seperti halnya benda bergerak lainnya. Adanya Lembaga Manajemen Kolektif (LMK) yang dibentuk oleh pencipta dalam hal ini debitur dapat berperan membantu menentukan besaran nilai eknomis dari Hak Cipta.Oleh karena itu, Hak Cipta dapat dijadikan jaminan kredit dengan pengikatan secara fidusia yang besaran nilai ekonomi jaminannya dapat ditentukan. Dalam kaitan ini, Perjanjian Fidusia dengan objek Hak Cipta harus dibuat oleh Notaris, sesuai dengan ketentuan Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia dan Undang-Undang Nomor 2 Tahun 2014 tentang Jabatan Notaris / Article 1 of Law Number 10 of 1998 concerning Banking states that credit is a financial facility that enables a person or business entity to borrow money based on the agreement and repay it within a specified period of time. The legal condition of the agreement is stipulated in Article 1320 of the Civil Code, namely: agreed that they himself, the ability to make an agreement, a certain thing, a reason that is lawful. So far, collateral in credit agreements is still in a narrow scope, which includes movable and immovable property. In the development of the Copyright Act, regulates that Copyright can be used as collateral in a credit agreement based on fiduciary guarantees. But in its implementation the bank has not been able to receive credit collateral. Copyright which has economic value in Indonesia can actually be used as an object of fiduciary collateral. In the case of providing Copyright collateral, the bank as creditor must treat it as collateral as other movable objects. The existence of a Collective Management Institution (LMK) formed by the creator in this case the debtor can play a role in helping determine the economic value of the Copyright. Therefore, Copyright can be used as collateral for credit by binding in a fiduciary manner whose economic value can be determined. This connection, the Fiduciary Agreement with Copyright objects must be made by a Notary, in accordance with the provisions of Law Number 42 of 1999 concerning Fiduciary Guarantees and Law Number 2 of 2014 concerning Notary Position

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Andre, AndreUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorBudi, Henry SoelistyoUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Economic Value ; Credit Agreement ; Fiduciary Guarantee ; Copyright
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Ms Devy Christiany Zega
Date Deposited: 07 Nov 2019 06:45
Last Modified: 07 Nov 2019 06:45
URI: http://repository.uph.edu/id/eprint/4894

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