Your YouTube video can now be collateral for loans


YouTube videos may now be used as collateral for loans, as Indonesia further recognizes the fiscal value of intellectual property rights thanks to a recent regulation update.

Earlier this month, President Joko Widodo signed Government Regulation (PP) 24/2022 on Creative Economy, allowing for intellectual property to be used as collateral for financial loans, via a bank or otherwise.

Today, Law and Human Rights Minister Yasonna Laoly shed more insight into the PP, saying that even YouTube videos may fall into this category.

“So if one already owns an intellectual property certificate, or brand, or creative license, including for music, they can upload [that content] to YouTube. Once [the video] gains millions of views, the license has monetary value. If the license holder needs money, the content can be used as collateral at the bank,” Yasonna said.

“The financial institution will then appraise the intellectual property.”

In Indonesia, copyrights and trademarks are registered with the Intellectual Property Directorate General, which operates under the Ministry of Law and Human Rights.

Awareness of intellectual property rights in Indonesia is arguably lacking, as evidenced by rampant content piracy in the country. As such, Indonesia’s most prominent figures in the arts and entertainment scene have largely welcomed the new regulation, arguing that their works are finally getting the recognition they deserve.

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