TINJAUAN KEPASTIAN HUKUM & AKTUALISASI KREDIT PERBANKAN PADA KONTEN YOUTUBE SEBAGAI JAMINAN FIDUSIA

Farhan Abdullah, NIM.: 20103080045 (2024) TINJAUAN KEPASTIAN HUKUM & AKTUALISASI KREDIT PERBANKAN PADA KONTEN YOUTUBE SEBAGAI JAMINAN FIDUSIA. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The issuance of PP No. 24 of 2022 concerning the Implementation Regulations of Law No. 24 of 2019 concerning the Creative Economy is a new breakthrough by the government to support the development of creative economic activities. The PP a quo provides legality for financing facilities, by making Intellectual Property Rights the object of collateral. This is a reference for content creators or YouTubers to develop their creative economy businesses, by pledging their YouTube content ownership certificates to financial institutions to obtain credit facilities. However, since the issuance of the PP a quo, until now no banks have been found ready to provide credit products with intellectual property financing schemes. In connection with this problem, it is necessary to have further dissection both from a juridical aspect and a normative perspective. In this study, researchers reviewed the PP a quo with the theory of Legal Certainty and Banking Credit Guarantee Law with prudential principles in providing credit. The type of research method used is normative juridical research. Normative legal research focuses on the rules or principles in the sense of law conceptualized as norms or rules, which are sourced from legislation, Court decisions, and doctrines of leading legal experts. The nature of this research is prospective and applied as the output of this research is legal argumentation as a benchmark picture of the achievement of legal objectives. Based on normative juridical research on PP No. 24 of 2022, through the theory of Legal Certainty. In the PP a quo there are still some gaps in legal weaknesses, such as the lack of other legal instruments that support the implementation of the objectives of PP a quo. As well as the lack of standardization of intellectual property valuation as a collateral object, which causes banks to not be sufficiently prepared to implement the intent of PP No. 24 of 2022. Meanwhile, in the perspective of Banking Guarantee Law with prudential principles, YouTube content as an object of Intellectual Property-based collateral is still not representative to overcome credit risk..

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