Section Articles

Perlindungan Hukum Data Pribadi Konsumen Dalam Perjanjian Pinjaman Online Di Indonesia

https://doi.org/10.32505/jurisprudensi.v15i1.5478
Khafidah Puspita
khafidah_190901@umg.ac.id (Primary Contact)
Universitas Muhammadiyah Gresik, Indonesia

Article Sidebar

Submitted
Jan 9, 2023
Accepted
Feb 11, 2023
Published
Feb 11, 2023
Download
PDF
Statistic
Read Counter : 400 Download : 412

Downloads

Download data is not yet available.

Main Article Content

Abstract

Online loans make it easy to complete the entire loan process. Starting from initial qualification to loan financing. Online loan providers provide convenience in borrowing online because they offer lower interest rates. Even though the fact that happened has a risk for data dissemination due to a lack of forms of personal data protection. So with this matter the publication of Law Number 27 of 2022 Concerning Personal Data Protection, with the existence of the Personal Data Protection Act, the public is expected to be careful in taking action. And strengthened by the issuance of OJK regulations, POJK NO. 10/POJK.05/2022 Concerning Information Technology-Based Joint Funding Services. This article uses normative legal research methods with regard to empirical legal research. The results of the study found that the protection of consumer personal data in online loans must be highly protected and if consumer data is available it will be carried out in court with certain trials and very high criminal provisions. Second: online loan arrangements in Indonesia have been updated by the OJK in a very strict and serious manner. So with this the author urges the OJK not to be cheated on new companies to establish online loans

Keywords

Agreements Online Loans Personal Data

Article Details

Creative Commons License

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

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan dan Ekonomi Islam right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY 4.0) that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan dan Ekonomi Islam published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
How to Cite
Puspita, K. (2023). Perlindungan Hukum Data Pribadi Konsumen Dalam Perjanjian Pinjaman Online Di Indonesia. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 15(1), 71-87. https://doi.org/10.32505/jurisprudensi.v15i1.5478

References

  1. Afriyadi, A. D. (2022). Nasib Bisnis Pinjol di Tengah Lahirnya Aturan Perlindungan Data. DetikFinance. https://finance.detik.com/fintech/d-6424611/nasib-bisnis-pinjol-di-tengah-lahirnya-aturan-perlindungan-data
  2. Arvante, J. Z. Y. (2022). Dampak Permasalahan Pinjaman Online dan Perlindungan Hukum Bagi Konsumen Pinjaman Online. Ikatan Penulis Mahasiswa Hukum Indonesia Law Journal, 2(1), 73–87. https://doi.org/10.15294/ipmhi.v2i1.53736
  3. Belgradoputra, R. J., Supriatna, S., & Widodo, H. (2019). Perlindungan Hukum Terhadap Korban Perjanjian Pinjam Meminjam Uang Secara Online. Jurnal Krisna Law, 1(3), 87–98. https://fh-unkris.com/journal/index.php/krisnalaw/article/view/70
  4. Benuf, K., Njatrijani, R., Priyono, A., & Adhim, N. (2020). Pengaturan dan Pengawasan Bisnis Financial Technology di Indonesia. Dialogia Iuridica: Jurnal Hukum Bisnis Dan Investasi, 11(2), 046–069. https://doi.org/https://doi.org/10.28932/di.v11i2.2001
  5. Chrisinta, I. V., & Parwata, I. G. N. (2020). Kajian Yuridis Terhadap Perlindungan Konsumen Pinjaman Online Di Indonesia Ditinjau Berdasarkan POJK Nomor 13/POJK.02/2018. Jurnal Kertha Semaya, 8(13), 592–607. https://garuda.kemdikbud.go.id/documents/detail/1544521
  6. CNN Indonesia. (2022). Jokowi Teken UU Perlindungan Data Pribadi, Pelanggar Didenda Rp6 M. CNN Indonesia. https://www.cnnindonesia.com/teknologi/20221018190144-185-862275/jokowi-teken-uu-perlindungan-data-pribadi-pelanggar-didenda-rp6-m
  7. Dewi, K. A. D. C., & Sukranatha, A. A. K. (2019). Pertanggungjawaban Pelaku Usaha Atas Klausula Eksonerasi Yang Merugikan Konsumen Pada Nota Laundry. Kertha Semaya : Journal Ilmu Hukum, 7(6), 1. https://doi.org/10.24843/km.2019.v07.i06.p04
  8. Dharu Triasih, Dewi Tuti Muryati, A. H. N. (2021). Perlindungan Hukum Bagi Konsumen Dalam Perjanjian Pinjaman Online. Digilib.Uin-Suka.Ac.Id, 7(2), 591–608. https://doi.org/https://doi.org/10.15294/snhunnes.v7i2.732
  9. Ernama Santi, Budiharto, & Saptono, H. (2017). Pengawasan Otoritas Jasa Keuangan Terhadap Financial Technology ( Peraturan Otoritas Jasa Keuangan Nomor 77/Pojk.01/2016). Diponegoro Law Journal, 6(3), 1–20. https://ejournal3.undip.ac.id/index.php/dlr/article/view/19683
  10. Fahmi, M. M. (2019). Inspirasi Qur’ani Dalam Pengembangan Fintech Syariah: Membaca Peluang, Tantangan, Dan Strategi Di Era Revolusi Industri 4.0. UIN Maulana Malik Ibrahim Malang, 1–13. https://pionir.uin-malang.ac.id/assets/uploads/berkas/ARTIKEL 29.pdf
  11. Hakim BF, A. R., Wisudawan, I. G. A., & Setiawan, Y. (2020). Pengaturan Bisnis Pinjaman Secara Online Atau Fintech Menurut Hukum Positif Di Indonesia. Ganec Swara, 14(1), 464. https://doi.org/10.35327/gara.v14i1.122
  12. Hariyani, I. (2017). Perlindungan Hukum dan Penyelesaian Sengketa Bisnis Jasa PM-Tekfin. Jurnal Legislasi Indonesia, 14(3), 345–358. https://doi.org/https://doi.org/10.54629/jli.v14i3.136
  13. Herijal Putra, N., & M. Anzaikhan. (2022). Implementasi Kebijakan Program Jaring Pengaman Sosial (JPS) Dalam Penanggulangan Kemiskinan Di Era Pandemi Covid-19. Al-Ijtima`I: International Journal Of Government And Social Science, 8(1), 39-56. Https://Doi.Org/10.22373/Jai.V8i1.1757
  14. Hermiyanty, Wandira Ayu Bertin, D. S. (2020). Perlindungan Hukum Terhadap Nasabah Pengguna Layanan Fintech (Financial Technology). Journal of Chemical Information and Modeling, 8(9), 1–58.
  15. Hidayah, A., & Marsitiningsih, M. (2020). Aspek Hukum Perlindungan Data Konsumen E-Commerce. Kosmik Hukum, 20(1), 56. https://doi.org/10.30595/kosmikhukum.v20i1.8251
  16. Indonesia. (2022). Undang-undang Perlindungan Data Pribadi. 016999, 1–50.
  17. Indonesia, P. R. (1999). UU No. 8 Tahun 1999 Perlindungan Konsumen. UU No 8 Tahun 1999 Perlindungan Konsumen, 1–6. https://jdihn.go.id/search/pusat/detail/832971
  18. Laksana, A. P., & Harja, R. P. (2020). Perbandingan Regulasi Financial Technology Terkait Perlindungan Data Nasabah Di Indonesia Dengan Negara Lainnya. 293–312. https://doi.org/https://doi.org/10.21107/ri.v15i2.5411
  19. Law Office Simanjuntak & Partners. (2022). Pinjol Hanya Boleh Menagih Utang Maksimal 90 Hari, Benarkah? Hukum Online. https://www.hukumonline.com/klinik/a/benarkah-pinjol-hanya-boleh-menagih-utang-maksimal-90-hari-lt62885c8debfde
  20. Nyoman, N., Diah, A., & Martana, N. A. (2019). Perlindungan Hukum Terhadap Data Pribadi. E-Journal Ilmu Hukum Kertha Wicara Fakultas Hukum Universitas Udayana, 8(12), 1–14. https://ojs.unud.ac.id/index.php/kerthawicara/article/view/50656
  21. Pemotongan, H. A. L., Secara, P., & Di, S. (2014). Tanggung Jawab Hukum Operator Telepon Seluler. 1–5. https://ojs.unud.ac.id/index.php/kerthasemaya/article/view/10558
  22. Permana, I. G. M. A., & Artha, I. G. (2013). Perlindungan Hukum Terhadap Investor Dalam Reksa Dana Secara Online. Ojs.Unud.Ac.Id, 1–16. https://ojs.unud.ac.id/index.php/kerthawicara/article/view/4667
  23. Pintar, K., & Perusahaan, N. (2023). PER 5 JANUARI 2023. http://www.ojk.go.id/id/kanal/iknb/financial-technology/Pages/Penyelenggara-Fintech-Lending-Berizin-di-OJK-per-5-Januari-2023.aspx
  24. Putu, N., Dewi, M., & Asti, P. (2020). Upaya Hukum Otoritas Jasa Keuangan dalam Mengatasi Layanan Pinjaman Online Ilegal. 05(01), 111–122. https://doi.org/https://doi.org/10.24843/AC.2020.v05.i01.p10
  25. Sinta Dewi. (2016). Konsep Perlindungan Hukum Atas Privasi Dan Data Pribadi Dikaitkan Dengan Penggunaan Cloud Computing di Indonesia. Yustisia Jurnal Hukum, 5(1), 22–30. https://doi.org/https://doi.org/10.20961/yustisia.v5i1.8712
  26. Suharnoko, S.H., M. (2015). Hukum Perjanjian Teori dan Analisis Kasus (Jeffry (ed.); Kedua). PT Kharisma Putra Utama. https://books.google.co.id/books?hl=en&lr=&id=OEC2DwAAQBAJ&oi=fnd&pg=PP1&dq=,+Hukum+Perjanjian:+Teori+dan+Analisis+Kasus&ots=JTzPTjX5tj&sig=D9Qbd2EONO0F4mHS_fVfu5BqtUE&redir_esc=y#v=onepage&q=%2C Hukum Perjanjian%3A Teori dan Analisis Kasus&f=false
  27. Susi Yanuarsi dan Hijawati. (2015). Perlindungan Hukum Bagi Konsumen Pada Layanan Pinjaman Online. Paper Knowledge . Toward a Media History of Documents, 3(April), 49–58. https://jurnal.unpal.ac.id/index.php/solusi/article/view/596/521
  28. Syariah, F. (2019). Analisis Aspek Dan Upaya Perlindungan Konsumen Fintech Syariah Basrowi. 5, 959–980. https://doi.org/http://doi.org/10.5281/zenodo.3187539
  29. Tim. (2022). Bunga Pinjol Bakal Dipatok Maksimal 0,46 Persen per Hari. CNN Indonesia. https://www.cnnindonesia.com/ekonomi/20220804204050-78-830524/bunga-pinjol-bakal-dipatok-maksimal-046-persen-per-hari
  30. Umum, K. (2014). Lembaran Negara. 184, 1–27.
  31. Wico, S., Natalia, F., Bunalven, S. N., Hukum, F., Tarumanagara, U., & Barat, J. (2022). Efektivitas Otoritas Jasa Keuangan (OJK) Dalam Mengawasi Permasalahan Praktik Pinjaman Online Ilegal Di Indonesia. https://ejurnal.esaunggul.ac.id/index.php/Lex/article/view/4913