THE EXISTENCE OF COPYRIGHT REGULATIONS AS AN OBJECT OF FIDUCIARY SECURITY IN THE FRAMEWORK OF REALIZING LEGAL CERTAINTY

Abstract

Material collateral is a factor that plays a very important role in credit distribution in the banking world. Guarantee institutions are a means of providing certainty regarding the implementation of all debtor obligations to creditors. This role cannot be denied in line with the development of credit in the banking world today. The existence of the 1945 Constitution encourages the government as a state administrator as a "regulator" to regulate all aspects of citizens' lives, including the economic sector, as a form of advancing general welfare for all Indonesian people. A powerful weapon in economic development as part of national development and to compete in the economy in the global market through Intellectual Property Rights. The implementing regulations are Law Number. 42 of 1999 concerning fiduciary guarantees. Bank Indonesia Regulation (PBI) Number. 14/15/PBI/2012 regarding Assessment of Commercial Bank Asset Quality and OJK Regulation Number.42.POJK.03/2017 concerning the Obligation to prepare and implement credit or financing policies for Commercial Banks. According to the author, regarding copyright as an object of fiduciary guarantee, there are still several legal issues in its implementation. These legal issues include the lack of a clear concept regarding due diligence and intellectual property rights appraisal institutions in Indonesia, copyright as an object of collateral.