PERLINDUNGAN HAK PENGGUNA PINJAMAN ONLINE DARI BOCORNYA DATA PRIBADI AKIBAT PENAGIHAN HUTANG PINJAMAN ONLINE ILEGAL
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Authors:
Desak Putu Noviyanti, Ni Putu Purwanti
Abstract:
“Penelitian ini bertujuan memberikan penyelesaian masalah berupa perlindungan hak konsumen dari penyalahgunaan data pribadi debitur yang akibat dari gagal bayar pinjaman online. Metode penelitian yang digunakan dalam penelitian ini berupa penelitian normative dengan menggunakan pendekatan perundang-undangan, pendekatan konseptual dan pendekatan fakta. Hasil penelitian ini menjelaskan bahwa pengawasan dan pengaturan tentang pinjaman online telah diatur dalam Peraturan Otoritas Jasa Keuangan Nomor 77/PJOK.01/2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi, namun upaya transaksi pinjaman online masih terdapat penagihan hutang berupa ancaman dan terror yang diikuti penyebarluasan data pribadi ke public.Banyaknya perusahaan pinjaman online illegal serta masyarakat yang mengambil jalan pintas secara instan mengakibatkan masih banyak korban akan penyebaran data pribadi tidak dapat dilindungi. This research aims to provide a solution to problems in the form of protecting consumer rights from misuse of debtor’s personal data as a result of online loan defaults. The research method used in this research is normative research using a statutory approach, conceptual approach and a fact approach. This study concludes that the supervision and regulation of online loans has been regulated in the Financial Services Authority Regulation Number 77/PJOK.01/2016 concerning Information Technology-Based Borrowing and Borrowing Services, but online loan transaction efforts are still subject to debt collection in the form of threats. and terror followed by the dissemination of personal data to the public. The large number of illegal online loan companies and people who take shortcuts instantly result in many victims of the spread of personal data that cannot be protected.”
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PDF:
https://jurnal.harianregional.com/kerthasemaya/full-84119
Published
2022-07-02
How To Cite
NOVIYANTI, Desak Putu; PURWANTI, Ni Putu. PERLINDUNGAN HAK PENGGUNA PINJAMAN ONLINE DARI BOCORNYA DATA PRIBADI AKIBAT PENAGIHAN HUTANG PINJAMAN ONLINE ILEGAL.Kertha Semaya : Journal Ilmu Hukum, [S.l.], v. 10, n. 8, p. 1897-1907, july 2022. ISSN 2303-0569. Available at: https://jurnal.harianregional.com/kerthasemaya/id-84119. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/KS.2022.v10.i08.p15.
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Issue
Vol 10 No 8 (2022)
Section
Articles
Copyright
This work is licensed under a Creative Commons Attribution 4.0 International License
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