Perlindungan hukum atas merek yang dijadikan jaminan utang pada bank di Indonesia

Manahan M.H, Galatia (2023) Perlindungan hukum atas merek yang dijadikan jaminan utang pada bank di Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Pemerintah telah mengeluarkan Peraturan Pemerintah Nomor 24 Tahun 2022 tentang Ekonomi Kreatif yang memperbolehkan HKI untuk mendapatkan jaminan dari Bank di Indonesia. Lahirnya peraturan tersebut diharapkan dapat memberikan kepastian hukum bagi Bank dalam melaksanakan kegiatan pemberian kredit kepada masyarakat dengan Kekayaan Intelektual sebagai objek jaminannya. Tujuan Penelitian ini adalah untuk dapat memecahkan persoalan hukum agar dapat merumuskan suatu novelty hukum terkait perlindungan hukum yang diberikan terhadap Pemilik Hak Merek yang dijadikan jaminan utang dalam perjanjian kredit pada Bank di Indonesia di Indonesia. Metodologi yang digunakan adalah normatif-empiris untuk memecahkan permasalahan hukum dan menganalisis pengaturan hukum terkait perlindungan hukum pemilik Merek yang dijadikan jaminan Utang dalam suatu Perjanjian Kredit dalam Bank di Indonesia. Hasil penelitian menyimpulkan: 1) Peraturan Pemerintah Nomor 24 Tahun 2022 tentang Peraturan Pelaksanaan Undang-Undang Nomor 24 Tahun 2019 tentang Ekonomi Kreatif dianggap sesuai dengan konsep Hak Merek sebagai jaminan utang dalam perjanjian kredit perbankan dikarenakan dalam pelaksanaan pengembangan Ekonomi Kreatif, ditemukan beberapa kendala untuk merealisasikannya, yakni berkaitan dengan pembiayaan Ekonomi Kreatif berbasis HKI, khususnya terkait dengan hak Merek. / The government has issued Government Regulation Number 24 of 2022 concerning the Creative Economy which allows IPRs to obtain guarantees from commercial banks. The existence of these regulations is expected to provide legal certainty for Banks in carrying out credit granting activities to the public with Intellectual Property as the object of collateral. The purpose of this research is to be able to solve legal problems in order to be able to formulate a legal novelty related to the legal protection given to trademark rights owners who are used as collateral for debt in credit agreements at commercial banks in Indonesia. The normative-empirical methodology is used to solve legal problems and analyze legal arrangements related to the legal protection of brand owners which are used as collateral for debt in a credit agreement in commercial banks. The research results concluded: 1) Government Regulation Number 24 of 2022 concerning Regulations for Implementing Law Number 24 of 2019 concerning Creative Economy is considered in accordance with the concept of Brand Rights as collateral for debt in bank credit agreements because in the implementation of Creative Economy development, several obstacles were found to realize it , which is related to IPR-based Creative Economy financing, especially related to Brand rights.

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