However, in practice, there are many obstacles faced by banks in executing fiduciary collateral. Execution of fiduciary guarantees as an effort to recover (loan) when a bad loan is an attempt made by the bank in repaying loans. The rules regarding Fiduciary Guarantees stipulate that 'if the debtor fails to promise, the fiduciary recipient has the right to sell the object which is the object of fiduciary security on his own authority'.
