Digitalization of Warehouse Receipts as a Security Instrument:
Legal Analysis, Challenges, and Implementation Strategies in Indonesia
DOI:
https://doi.org/10.30997/jhd.v12i1.21874Keywords:
Digitalisasi, Hukum Jaminan, Resi Gudang, UMKMAbstract
The Warehouse Receipt System (WRS) is a legal instrument regulated under Law Number 9 of 2006 in conjunction with Law Number 9 of 2011, serving as an alternative commodity-based financing mechanism. WRS enables farmers, MSMEs, and small business actors to store commodities in certified warehouses and use the receipts as collateral for credit. This study examines the effectiveness of WRS as collateral, regulatory and institutional challenges, and the potential of digitalization to enhance its function. The research method employs a normative juridical approach with qualitative descriptive analysis of legislation, literature, and case studies on WRS implementation in Indonesia and several other countries. The findings indicate that although WRS is legally recognized, its implementation still faces obstacles such as limited commodity coverage, low banking trust, institutional weaknesses, and high costs. Digitalization through technologies such as blockchain, IoT, RFID, and big data in digital WRS has the potential to overcome these barriers by improving system transparency, accuracy, and efficiency. To support the emergence of Digital WRS, explicit regulation in the WRS law is required so that its procedures and execution have a strong legal foundation.
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