CONSUMER PERSONAL DATA LEGAL PROTECTION ON ILLEGAL FINTECH LOANS

tifany puspa ardianti, Rani Apriani

Abstract


Currently, there are many online loans that make it easy for people to access credit. In addition to providing convenience, online loans can also harm the public by disseminating personal data. The protection of the rights of online loan service users is considered not optimal. This study aims to find out about the misuse of technology, especially in financial technology. The research method used is a normative juridical approach, the research phase is a literature study, data collection techniques through document studies and normative qualitative data analysis. The results of the study show that consumer protection and consumer personal data protection are indispensable. In this regard, it is important to review the legal protection of borrowers' personal data in online loan application services and sanctions for violations of personal data. The state has provided consumer protection as regulated in Law Number 21 of 2011 concerning Consumer Protection and Financial Services Authority Regulation Number 6/POJK.07/2022 concerning Consumer and Community Protection in the Financial Services Sector.

Keywords


Online Loans; Fintech; Personal Data

Full Text:

PDF

References


Barkatullah, A. H. (2017). Electronic Transaction Law in Indonesia as a Guide to Facing the Digital Era of E-Commerce Business in Indonesia.

Edi Supriyanto, Nur Ismawati. (2009). Web-Based Online Lending Fintech Information System, Journal of Information

Systems, Information Technology and Computers, Vol 9 (2). https://doi.org/10.24853/justit.9.2.100-107

Edy Chrisjanto, Nidya Tajsgoani. (2020). Characteristics of Illegal Fintech Law in Online Loan Transaction Applications, Juridical Meta Journal, Vol 3 No (2).

Erna Priliasari. (2019). The Urgency Of Personal Protection In Peer To Peer Lending, National Legal Development Agency, Ministry of Law and Human Rights, National Law Magazine, Vol 49 (2). https://doi.org/10.33331/mhn.v49i2.44

Fajrin Putri Carolin, Rani Apriani. (2022). Analysis of Personal Data Protection Regulations for Fintech Lending Users in OJK Regulations. Nomor 06/Pojk.07/2022, Scientific Journal of Educational Forum, Vol 8 (8). https://doi.org/10.5281/zenodo.6613275

Hari Sutra Disemadi. (2021). The Urgency of a Comprehensive Regulation on Online Lending-Based Fintech as an Effort to Protect Consumers in Indonesia, Journal of Legal Communications, Vol 7 (2). https://doi.org/10.23887/jkh.v7i2.37991

Muhammad, Abdulkadir. (2021). Indonesian Corporate Law, Cetakan V, Bandung: Citra Aditya Bakti.

Muhammad Junaidi, Kadi Sukarna, Bambang Sadono. (2020). Understanding of Electronic Transaction Crimes in Jurnal Meta-Yuridis Vol (6) No.1 Maret 2023

Law No. 19 of 2016 Concerning Information and Electronic Transactions. BUDIMAS Journal, Vol.02 No.02.

Rodes Ober Adi Guna Pardosi, Yuliana Primawardani. (2020). Protection of User Rights of Online Loan Services in the Perspective of Human Rights, HAM Journal, Vol 11 (3). http://dx.doi.org/10.30641/ham.2020.11.353-368

Sudjana. (2022). Principal Responsibilities to Consumers in Agency and Distributor Agreements. ADJUDICATION Journal of Law Science, Vol.6 Nomor 1.

Tony Yuri Rahmanto. (2019). Law Enforcement Against Electronic Transaction-Based Fraud Crimes, De Jure Journal of Legal Research, Vol 19 (1). http://dx.doi.org/10.30641/dejure.2019.V19.31-52

Widijantoro. (2019). Financial Services Consumer Protection Law in the Era of the Financial Services Authority. Yogyakarta: Cahaya Atma Pustaka.




DOI: https://doi.org/10.26877/m-y.v6i1.13688

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Jurnal Meta-Yuridis



Jurnal Meta-Yuridis

Alamat Redaksi: Kantor Jurnal Meta-Yuridis UPGRIS Gedung Pusat Ruang Fakultas Hukum, Jalan Sidodadi Timur No. 24 Dr. Cipto Semarang.

Telp. (024) 8316377; Faks. (024) 8448217.

Pos-email: [email protected] dan metayuridisjurnal@gmail.com.

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.