In banking practice, fiduciary system was no longer restricted to security of movable goods but the use of immovable goods. This fiduciary system was not only be developed by a demand arising from the social needs, but also by the enforcement of Agrarian Law Mo. 5 of 1960, this system was compatible with the social needs because of straightforward, flexible, fast and inexpensive procedure. In the enforcement of Agrarian Law No. 5 of 1960, this system was also applicable to immovable goods on state owned land with the right of lease and business use. The application was proved by Fat Law No. 16 of 1985.