Legal Protection For Victims Of Misuse Of Personal Data When Making Online Loans

Arabin Sandika, Cholidi Zainuddin, Arief Wisnu Wardhana

Abstract


Current developments are investments that take advantage of the digital era and globalization using application products, namely financial technology (Omarova, 2020). Financial technology is a combination of financial services and technology that makes changes to businesses that were previously conventional to become modern. Then, with modern technology, things are illegal and use other people's data. This research method uses normative juridical or doctrinal juridical research. The formulation of the problem is legal protection for victims of misuse of personal data when making online loans. The result is that legal protection can take the form of civil legal protection, criminal legal protection. Including those contained in the Financial Services Authority (OJK) regulations, however, this legal instrument does not yet comprehensively regulate the misuse of personal data for online loans..

 

Keywords: personal data; victim; legal protection; abuse; online loans.

 


Full Text:

PDF

References


Book

Alfian, D. (2016). Reconstruction of Online Loans in Legal Perspective (Vol. 4, Issue 1).

Alfian, D. (2016). Reconstruction of Online Loans in Legal Perspective (Vol. 4, Issue 1).

Dani, A., Kurnia, N., & Octaviany, V. (2022). Cybercrime in Era 4.0. 776–783.

Nicoletti, B. (2017). The Future of Fintech (B. Nicolleti (ed.)). Palgrave Studies in Financial Services Technology.

Omarini, A. (2018). Peer-to-Peer Lending: Business Model Analysis and the Platform Dilemma. International Journal of Finance, Economics and Trade (IJFET), 2(3), 31–41.

Purwati, A. (2020). Legal Research Methods. Theory & Practice (T. Lestari (ed.); 1st ed.). CV. Jakad Media Publishing.

Syaifuddin, M. (2016). Contract Law Understanding Contracts from the Perspective of Philosophy, Theory, Dogmatics and Practice of Contract Law (Enrichment Series on Contract Law). CV Mandar Maju.

Journal

Akbar, A. (2021). Law Enforcement against Unregistered and Licensed Peer to Peer Lending Based Financial Technology Companies. Journal of Law, 8, 1–13. https://eprints.uai.ac.id/1568/

ADVOKASI, 11(1), 128-140. doi:https://doi.org/10.36987/jiad.v11i1.3693

Benuf, K. (2020). Regulation and Supervision of Financial Technology Business in Indonesia. Dialogia Iuridica: Journal of Business and Investment Law, 11(2), 046–069.

Chrismastianto. (2017). SWOT Analysis of Financial Technology Implementation on the Quality of Banking Services in Indonesia. Journal of Economics and Business, 20(1), 133–144.

Disemadi, HS (2021). Predatory Lending Phenomenon: A Study of the Implementation of Fintech P2P Lending Business during the COVID-19 Pandemic in Indonesia. Pandecta Research Law Journal, 16(1), 55–67. http://journal.unnes.ac.id/nju/index.php/pandecta

Hidayani, S. (2020). Legal Aspects of Gold Borrowing Agreements with Collateral for Rice Fields in the Pidie Community. Mercatorian Journal, 13(2), 2541–5913.

Jufrida, F., Syechalad, MN, & Nasir, M. (2017). Analysis of the Effect of Foreign Direct Investment (FDI) and Domestic Investment on Indonesia's Economic Growth. Darussalam Journal of Economic Perspectives, 2(1), 54–68.

Laksmi, E., Putri, H., Prabandari, AP, Studi, P., Notary, M., Law, F., & Diponegoro, U. (2020). Legal Protection for Consumers in Buying and Selling Transactions via Line Messenger. Notary Journal, 13, 288–297.

Novita, W. (2020). Identification of Legal Problems and Resolution Mechanisms. Journal of Private Law, VIII(1), 151–157.

Omarova, S.T. (2020). Technology v Technocracy: Fintech as a Regulatory Challenge. Journal of Financial Regulation, 6(1), 75–124.

Financial Services Authority. (2022). Financial Technology Peer to Peer Lending.

Purnama, T.D., & Alhakim, A. (2021). The Importance of the Personal Data Protection Law as a Form of Legal Protection for Privacy in Indonesia. Justisia Community E-Journal, 4(3), 273–283.

Tjahjadi, EV, & Santoso, B. (2023). Malware Classification Using Machine Learning Techniques. Scientific Journal of Computer Science, 2(1), 60–70.

Wahyudi, D. (2013). Legal Protection for Cyber Crime Victims in Indonesia. Jambi Legal Science Journal, 4(1), 43295.

Wardana, K. (2011). Regarding the Position of the Banking Supervision System. Journal of Law, 21, 1–10.

Website

Andiaqsalwinasi. (2020). Financial Services Authority (OJK), you must know about its functions & duties. UniversalBPR. https://universalbpr.co.id/blog/otoritas-jasa-keuangan/

Indonesia, D. (2022). Summary of Data on the Development of Indonesia's Digital Economy. Bisnic.Com. https://finansial.bisnis.com/read/20220215/563/1500443/rangkuman-data-perkembangan-economic-digital-indonesia




DOI: https://doi.org/10.36987/jiad.v12i2.5503

Refbacks

  • There are currently no refbacks.


This journal is also a member of and subscribes to the principles of the Committee on Publication Ethics. 

 

Lisensi Creative Commons

All publications by Jurnal Ilmiah Advokasi [p-ISSN: 2337-7216] [E-ISSN: 2620-6625] is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY - NC - SA 4.0)

 

cukongbet