[ABSTRAK
Tesis ini membahas mengenai eksistensi Surat Kuasa Memasang Jaminan Fidusia(SKMJF) yang diberlakukan di PT. Bank UOB Indonesia (Bank UOB Indonesia).Hasil penelitian dalam penulisan ini yaitu Pengikatan jaminan untuk barangbarangyang dapat diikat dengan jaminan fidusia, dalam prakteknya di Bank UOBIndonesia, tidak selamanya menggunakan Akta Jaminan Fidusia (AJF), akantetapi kadang-kadang diikat dengan SKMJF yang dibuat dengan akta dibawahtangan. Eksistensi pengikatan jaminan dengan SKMJF diantaranya dilakukanuntuk barang jaminan berupa mesin. Hal tersebut disebabkan pembelian mesindilakukan secara indent. Oleh karena tidak dapat dipastikan bahwa debitur dapathadir kembali untuk menandatangani AJF dihadapan Notaris pada tanggal tibanyamesin yang dibiayai oleh Bank UOB Indonesia. Berdasarkan SKMJF tersebutpihak bank disamping sebagai pihak pemberi kuasa juga sebagai pihak penerimakuasa dalam AJF. Dengan SKMJF tersebut, jaminan fidusia tidak didaftarkan,sehingga tidak mendapatkan perlindungan hukum bagi Bank UOB Indonesia.Berdasarkan Pasal 20 dan 21 Undang-Undang Fidusia dalam hal debitur pemberifidusia cidera janji maka bank UOB Indonesia tidak berkedudukan sebagaikreditur preferen yang berhak diutamakan pelunasan piutangnya dari hasilpenjualan objek jaminan fidusia dari kreditur lainnya.

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ABSTRACT
The Thesis to study the existence of Power of Attorney to Impose Fiduciary Rightwhich applied at PT Bank UOB Indonesia (Bank UOB Indonesia). Result ofresearch in this article is to impose of security agreement for collateral which ableto be imposed by fiduciary right that in the fact at Bank UOB Indonesia, notlonger with Deed to Impose Fiduciary Right but some cases to be imposed by thePower of Attorney to Impose Fiduciary Right which made in gentle agreement.The existance of Power of Attorney to Impose Fiduciary Right for machinecollateral. Its caused purchase of machine conducted with indent and cannot to bemade sure that debtor able re-attend to sign Deed to Impose Fiduciary Rightbefore Notary on date of machine arrives which financed by Bank UOBIndonesia. Based on Power of Attorney to Impose Fiduciary Right whereby Bankbesides as principal also as Attorney in Deed of Securiry of Fiduciary Power of􀀤􀁗􀁗􀁒􀁕􀁑􀁈􀁜􀀃􀁌􀁖􀀃 􀁑􀁒􀁗􀀃 􀁕􀁈􀁊􀁌􀁖􀁗􀁈􀁕􀁈􀁇􀀃􀁗􀁋􀁈􀁕􀁈􀁉􀁒􀁕􀁈􀀃 􀀥􀁄􀁑􀁎􀀃􀀸􀀲􀀥􀀃 􀀬􀁑􀁇􀁒􀁑􀁈􀁖􀁌􀁄􀀃􀁄􀁖􀀃 􀁗􀁋􀁈􀀃􀁓􀁕􀁌􀁑􀁆􀁌􀁓􀁄􀁏􀀃 􀁇􀁌􀁇􀁑􀂶􀁗􀀃receive any legal protection. Based on Article 20 and 21 of Law of Fiduciary thatin case of debtor default on credit agreement, Bank UOB Indonesia as preferencecreditor entitle to be prioritized for payment from sale result of collateral thenother creditor., The Thesis to study the existence of Power of Attorney to Impose Fiduciary Rightwhich applied at PT Bank UOB Indonesia (Bank UOB Indonesia). Result ofresearch in this article is to impose of security agreement for collateral which ableto be imposed by fiduciary right that in the fact at Bank UOB Indonesia, notlonger with Deed to Impose Fiduciary Right but some cases to be imposed by thePower of Attorney to Impose Fiduciary Right which made in gentle agreement.The existance of Power of Attorney to Impose Fiduciary Right for machinecollateral. Its caused purchase of machine conducted with indent and cannot to bemade sure that debtor able re-attend to sign Deed to Impose Fiduciary Rightbefore Notary on date of machine arrives which financed by Bank UOBIndonesia. Based on Power of Attorney to Impose Fiduciary Right whereby Bankbesides as principal also as Attorney in Deed of Securiry of Fiduciary Power of􀀤􀁗􀁗􀁒􀁕􀁑􀁈􀁜􀀃􀁌􀁖􀀃 􀁑􀁒􀁗􀀃 􀁕􀁈􀁊􀁌􀁖􀁗􀁈􀁕􀁈􀁇􀀃􀁗􀁋􀁈􀁕􀁈􀁉􀁒􀁕􀁈􀀃 􀀥􀁄􀁑􀁎􀀃􀀸􀀲􀀥􀀃 􀀬􀁑􀁇􀁒􀁑􀁈􀁖􀁌􀁄􀀃􀁄􀁖􀀃 􀁗􀁋􀁈􀀃􀁓􀁕􀁌􀁑􀁆􀁌􀁓􀁄􀁏􀀃 􀁇􀁌􀁇􀁑􀂶􀁗􀀃receive any legal protection. Based on Article 20 and 21 of Law of Fiduciary thatin case of debtor default on credit agreement, Bank UOB Indonesia as preferencecreditor entitle to be prioritized for payment from sale result of collateral thenother creditor.]