Legal Protection for Bank as the Creditor of Intellectual Property as Fiducial Guarantee

This study examines the legal protection afforded to banks as creditors when intellectual property, such as writings or artworks, is used as fiducial guarantee for debt repayment. Employing a normative approach and library research, this research analyzes the bank's role as creditor within Fiducal Guarantee using Intellectual Property. The findings highlight the limitations of the bank's role in utilizing intellectual property as guarantee, and provide insights into the legal protections available to banks in such transactions. This research contributes to the understanding of the intersection of intellectual property law and banking regulations, with implications for banks, creditors, and debtors. This research gave birth of two conclusions, which are highlighting the legal mechanism in dealing Debtor defaulting on the payment of his credit debt repayment obligations, the Bank sees two things, namely; (a) a cooperative and voluntary attitude that allows for the implementation of parate execution without court intervention, and (b) the Debtor's uncooperative attitude which requires the Creditor to take legal action through the District Court in order to obtain a permanent comdemnatoir decision for the implementation of execution.