Perlindungan Data Nasabah Kredit dengan Sistem Online di Era Perkembangan Finansial Teknologi
Protection of Credit Customer Data with Online Systems in the Era of Financial Technology Development
DOI:
https://doi.org/10.15294/snhunnes.v7i2.743Keywords:
Finansial TeknologiAbstract
This legal writing examines information technology regarding the development of online credit systems. This writing uses a normative juridical approach. The results of this study are the emergence of a trend of online credit applications that promise a very fast credit and disbursement process without collateral. In fact, it can stimulate economic development in Indonesia. Because it increases purchasing power, the funding process is for business capital even for the consumptive needs of its users. However, when bad credit occurs, it has the potential to spread confidential data to our cellphone or email contacts, which are usually carried out by illegal online credit providers with the aim of reminding us to pay installments. The government through the Otoritas Jasa Keuangan must impose strict sanctions for online credit applications that are not in accordance with the authority of the OJK in Law Number 21 of 2011 concerning the Financial Services Authority and Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Money-Based Lending-Lending Services. information technology, PP No. 71 of 2019 regarding the operation of electronic systems and transactions. Law Number 19 of 2016 (UU ITE). To prevent this violation, it is hoped that customers will be more careful in choosing an implementing agency that has been registered and licensed by the OJK and is a challenge for the government through the Otoritas Jasa Keuangan and in collaboration with AFPI to better educate this financial technology lending. As well as the Otoritas Jasa Keuangan's obligation to supervise online credit providers under its auspices and bring order to illegal institutions to reduce public unrest.
References
Ibrahim, J. (2005). Teori dan Metodelogi Penelitian Hukum Normatif. Surabaya: Banyumedia.
Jonaedi, E., & Johnny, J. (2018). Metode Penelitian Hukum Normatif dan Empiris. Jakarta : Prenada Media.
Mahesa, K. J. (2019). Hukum Perlindungan Nasabah Bank (Upaya Hukum Melindungi Nasabah Bank Terhadap Tindak Kejahatan ITE di Bidang Perbankan. Yogyakarta: Hikam Media Utama.
Panginan, E. K., & Irwansyah, I. (2020). Fenomena Aplikasi Kredit Dan Pinjaman Online Kredivo di Indonesia. Jurnal Komunikasi dan Kajian Media, 4(1), 12-26.
Pradini, D. I., Hariyadi, I. Z., & Khoir, S. (2020). Kepastian Hukum Kredit Online. Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan, 5(2), 324-331.
Pramono, N. (2006). Bunga Rampai Hukum Bisnis Aktual. Bandung: Citra Aditya Bakti.
Soerjono Soekanto. (1986). Pengantar Peneltian Hukum. Jakarta: UI Press.
Usanti, T., & Shomad, A. (2016). Hukum Perbankan. Jakarta : Kencana.
Peraturan Perundang-Undangan
Undang-Undang Nomor 19 Tahun 2016 (UU ITE)
Peraturan Menteri Kominfo Nomor 20 Tahun 2016 tentang perlindungan data pribadi dalam sistem elektronik
PP No.71 Tahun 2019 mengenai penyelenggaraan sistem dan transaksi elektronik, perlindungan data pribadi.
Peraturan Otoritas Jasa Keuangan Nomor 77 Tahun 2016 tentang penyelenggara layanan pinjam meminjam uang berbasis teknologi informasi penyelenggara pembiayaan kredit berbasis sistem elektronik
