Jurnal Pengkajian Koperasi dan UKM - Smecda

PEMANFAATAN SERTIFIKAT HKI SEBAGAI COLLATERAL KREDIT
(Akhmad Junaidi & Muhammad Joni)
and value of insurance. The problem faced in Indonesia is the unavailability of the
provisions on the use of IPR as collateral in loans, the banking system. The purpose
utilizes IPR as collateral loan is to assist SMEs and Cooperatives in completing
the credit requirements. Although the IPR can be used as loan collateral, but the
position in the underwriting agreement to an additional agreement complements the
primary credit agreement. This research uses descriptive analysis to conduct focused
literature review to explore an important role, IPR rules and regulations guarantee
bank lending in Indonesia. IPR has the prospect to be used as collateral for loans,
because the IPR has an economic value can be calculated based on market prices,
can be executed, can be transferred either wholly or partly by inheritance, grants,
wills, written agreement or other causes that are justified by the law of rules. In
addition, the loan guarantee agreement, including the use of IPRs as collateral is
generally associated with the raw action and executorial.
Key words: Intelectual Property Right (IPR), collateral
I. PENDAHULUAN
Hak Kekayaan Intelektual (HKI) adalah padanan kata yang biasa digunakan
untuk Intellectual Property Rights (IPR), yakni hak yang timbul dari hasil olah pikir
otak yang menghasilkan suatu produk atau proses yang berguna untuk manusia. Pada
intinya HKI adalah hak untuk menikmati secara ekonomis hasil dari suatu kreativitas
intelektual. Obyek yang diatur dalam HKI adalah karya-karya yang timbul atau lahir
karena kemampuan intelektual manusia.
Secara garis besar HKI dibagi dalam 2 (dua) bagian besar yaitu :
1. Hak cipta (Copyright);
2. Hak Kekayaan Industrial (industrial property rights), yang mencakup :
1. Paten (Patent);
2. Desain Industri (Industrial Design);
3. Merek (Trademark);
4. Desain Tata Letak Sirkuit Terpadu (Lay out Design of Integrated
Circuit);
5. Rahasia Dagang (trade secret).
6. Perlindungan Varietas Tanaman (Varieties of Plants Protection).
Jumlah HKI di Indonesia sangat tertinggal jauh dibandingkan dengan negaranegara
lain. Sebagai bahan perbandingan, paten internasional tempe yang terdaftar
atas nama periset Indonesia hanya tiga, sedangkan yang dimiliki asing sebanyak
15 paten (data tahun 2001). Demikian juga dengan hasil kerajinan rotan, temuan
125