Harapan Pemerintah, HaKi Milik UMKM Bisa dijadikan Jaminan Bank

JAKARTA – Kementerian Koperasi dan UKM mengusulkan ada produk asuransi untuk hak atas kekayaan intelektual (HaKI) yang dimiliki seluruh sektor usaha. Terutama bagi pelaku usaha mikro kecil dan menengah (UMKM). Adanya asuransi tersebut, menjadi jaminan bahwa UMKM akan mendapatkan bantuan kuasa hukum jika terkena masalah hukum.

“Saya usulkan perlu diskusikan kembangkan asuransi HaKI. Karena kadang-kadang dalam persoalan hukum ini, UMKM tak ada cukup pendanaan untuk membiayai kuasa hukum,” kata Deputi Usaha Kecil dan Menengah Kementerian Koperasi dan UKM Hanung Harimba Rachman, saat berdiskusi online, Senin (26/4).

Hanung melanjutkan, sejumlah pelaku UMKM mengeluh karena tak ada kemampuan membela diri saat tersangkut masalah hukum di pengadilan. Perselisihan tersebut biasanya terkait HaKI.

“Yang dikeluhkan adalah UMKM punya HaKI. Tetapi saat dispute soal HaKI, posisi mereka kesulitan untuk biayai kuasa hukum,” papar Hanung.

Menurut Hanung, usulan agar ada asuransi untuk HaKI ini diungkapkan seniman. Namun, ia tak menjelaskan lebih lanjut apakah pihak dari Kementerian Koperasi dan UKM akan membicarakan hal ini ke kementerian/lembaga (k/l) lain atau tidak.

“Ini usul teman-teman para seniman, karena mereka sudah siapkan dokumen akademis,” imbuh Hanung.

Di luar itu, Hanung berkomitmen akan mendorong lembaga keuangan untuk mau menerima HaKI sebagai jaminan dalam meminjam uang di bank. Dengan begitu, UMKM bisa mendapatkan akses pembiayaan lebih luas.

“Sedang diupayakan agar UMKM dapat tambahan pinjaman saat krisis yang sulit ini untuk bisa mendapat tambahan dengan gunakan brand-nya sebagai jaminan,” jelasnya.

Diakui Hanung, pihaknya terus berkomunikasi dengan lembaga keuangan agar HaKI bisa dijadikan sebagai jaminan perbankan. Ia menyatakan, sejumlah pelaku usaha kecil mengeluh karena harus mengalihkan kepemilikannya lantaran tak mendapatkan akses kredit untuk mengembangkan usahanya.

“Persoalannya mereka tidak ada lagi aset fisik, padahal mereka ada intangible, yaitu brand-nya. Nilainya lebih tinggi. Nah, ini yang coba terus dikomunikasikan di lembaga keuangan,” katanya.

Sementara itu, Menteri Pariwisata dan Ekonomi Kreatif Sandiaga Uno mengatakan, tengah mempersiapkan rancangan aturan pelaksana dari Undang-Undang (UU) Nomor 24 Tahun 2019 tentang Ekonomi Kreatif. Aturan pelaksana ini khususnya terkait skema pembiayaan berbasis HaKI.

“UMKM begitu sudah daftar kekayaan intelektualnya bisa dijaminkan ke perbankan dan bisa digunakan sebagai aset,” tegas Sandiaga.

HaKI bisa menjadi alat bagi UMKM untuk mencari modal usaha tambahan. Dengan begitu, pola ini akan memberikan kemudahan bagi UMKM saat mengajukan pinjaman ke perbankan. Harapannya, pelaku UMKM tidak perlu lagi jaminan tambahan.(****)

195 thoughts on “Harapan Pemerintah, HaKi Milik UMKM Bisa dijadikan Jaminan Bank

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