Fadjar Hutomo, Deputy Access to Capital Berkraf, said there were only 22% of small and medium enterprises in the creative economy with land and building assets. Therefore, Bekraf proposes intellectual property-based financing.

"Indeed, the application takes time, it can be short," he said. Thursday (15/3).

However, he said, that does not mean there is no opportunity for intellectual property-based financing. Because, in fact it is listed in the Copyright of Brand and Patent.

In the regulation mentioned that intellectual property can be used as collateral with fiduciary terminology. However, in the implementation on the ground faced with constraint valuation. "Appraisers in Indonesia are not much centered on Java," he added.

Therefore, Bekraf also tries to have an intellectual property valuation agent, so the price of a creativity-based business can be estimated and deserves a loan from the bank.

Guarantee Institution, such as Perum Jamkrindo, according to him, can be involved in this scheme. So far, the new Bekraf is limited to holding some group discussions with related parties, especially banks to find the right formula.

In addition to guarantees, another obstacle facing the Ukm creative sector is the financial statements. According to him, there are still many entrepreneurs who do not have good financial statements so sat applying credit request that is difficult to be met by banks.

Director of PT Bank BNI Syariah Dhias Widhiyati said to date the intellectual property rights have not been included as a form of collateral due to valuation issues.

"For intellectual property we have not included it as a guarantee because there are still challenges in the assessment," he said. Thursday (15/3).

The potential is huge. According to Fadjar, the contribution of the creative economy sector to Gross Domestic Product (GDP) at the end of 2017 is estimated to exceed Rp 1,000 trillion. Approximately 43% of its value comes from the culinary business sector. The rest, donated by fashion, building, and others.

Bekraf also enhances contributions from leading subsectors, such as movies, apps, digital, and music. According to him, although the sector contribution to GDP is still small, but has a great influence on other sectors.

"The superior sub-sectors have tremendous sublimation power, can influence people to buy something.