Nyinaq, Desideria (2022) “Pertanggungjawaban Pidana Pemerasan Oleh Kreditur Pinjaman Online Ilegal Dompet Kartu”. Bachelor thesis, Universitas Pelita Harapan.
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Abstract
ABSTRAK
Desideria Nyinaq-01051180183
PERTANGGUNGJAWABAN PIDANA PEMERASAN OLEH KREDITUR
PINJAMAN ONLINE ILEGAL DOMPET KARTU
Kemajuan teknologi era industri 4.0 sangat memberikan kemudahan bagi
masyarakat seperti segalanya yang menjadi serba daring (online) bank online (e�banking ataupun m-banking), pasar online(e-commerce), belajar online, tidak
terkecuali bidang finansial, yaitu layanan keuangan yang biasa disebut financial
technology (fintech).Financial Technology (Fintech), merupakan salah satu
alternatif teknologi yang memudahkan transaksi pinjaman yang bisa dilakukan
secara online.Bagaimana konstruksi tindak pidana pemerasan pada pinjaman online
illegalMenemukan bentuk pertanggungjawaban hukum bagi perusahaan pinjaman
online ilegal. Untuk memecahkan persoalan pemerasan yang dilakukan kreditur
pinjaman online ilegal di Indonesia. Pendekatan hukum normatif empiris
merupakan penelitian hukum doktriner atau penelitian kepustakaan. Dinamakan
penelitian hukum doktriner dikarenakan penelitian ini hanya ditujukan pada
peraturan peraturan tertulis sehingga penelitian ini sangat erat hubungannya dengan
kepustakaan karena akan membutuhkan data-data yang bersifat sekunder yang
diperoleh dari perpustakaan.Maka, layaknya sebuah bangunan, tindak pidana juga
memerlukan susunan atau penataan konstruksi yuridis atas fakta-fakta yang
nantinya dapat dirangkai menjadi sebuah pembuktian yang terdiri atas fakta-fakta
perbuatan pelaku dan juga unsur-unsur tindak pidananya sesuai dengan perbuatan
yang telah dilanggar oleh pelaku sesuai dengan ketentuan undang-undang pidana
yang bersangkutan. M. Yahya Harahap, menyatakan bahwa pembuktian adalah:
“Pembuktian adalah ketentuan-ketentuan yang berisi penggarisan dan pedoman
tentang cara-cara yang dibenarkan Undang-undang membuktikan kesalahan yang
didakwakan kepada Terdakwa.” peraturan Otoritas Jasa keuangan (OJK) Pasal 18
Nomor 77/POJK.01/2016 menyebutkan bahwa dalam pelaksanaan perjanjian
pinjam meminjam berbasis online meliputi antara lain: Perjanjian antara
penyelenggara dengan pemberi pinjamanPerjanjian antara pemberi pinjaman
dengan penerima pinjaman. dimana penyelenggara layanan pinjam meminjam uang
berbasis online ini salah satunya adalah layanan aplikasi pinjaman online.
Konstruksi Tindak Pidana Pemerasan dan/atau Pengancaman Pada Pinjaman
Online Ilegal dapat dilakukan dengan berbagai macam cara yang dapat merugikan
peminjam. Tindak Pidana yang kerap dilakukan merupakan tindak pidana dengan
pemerasan dan/atau pengancaman akan penyebaran data pribadi, penipuan, hingga
mendistribusikan Informasi Elektronik yang memiliki muatan pemerasan dan/atau
pengancaman. Peraturan terkait pinjaman online ilegal ini sudah jelas diatur dalam
Indonesia. Pertanggungjawaban hukum yang dapat dikenakan kepada pelaku
pinjaman online ilegal ini juga sudah jelas diatur dalam regulasi yang ada di
Indonesia, mulai dari aturan-aturan yang terdapat dalam POJK Nomor
6/POJK.07/2022 tentang Perlindungan Konsumen dan Masyarakat di Sektor Jasa
Keuangan, Kitab Undang-Undang Hukum Pidana, hingga Undang-Undang Nomor
19 Tahun 2016 tentang Perubahan Atas Undang-Undang Nomor 11 Tahun 2008
tentang Informasi Dan Transaksi Elektronik.
Kata Kunci: Pinajaman online, Pinjaman online ilegal, Kontruksi tindak pidana.
/ABSTRACT
Desideria Nyinaq-01051180183
CRIMINAL LIABILITY EXCLUSION BY ONLINE LOAN CREDITORS
ILLEGAL CARD WALLET
Technological advances in the industrial era 4.0 greatly provide convenience for
the community, such as everything online, online banking (e-banking or m�banking), online markets (e-commerce), online learning, and the financial sector,
namely financial services. which is usually called financial technology (fintech).
Financial Technology (Fintech), is an alternative technology that facilitates loan
transactions that can be done online. How to construct a criminal act of extortion
on illegal online loans. Finding forms of legal liability for illegal online loan
companies. To solve the problem of extortion by illegal online loan lenders in
Indonesia. The empirical normative legal approach is doctrinal legal research or
library research. It is called doctrinal legal research because this research is only
aimed at written regulations so that this research is very closely related to the
library because it will require secondary data obtained from the library. on the
facts which can later be assembled into a proof consisting of the facts of the
perpetrator's actions and also the elements of the crime in accordance with the
actions that have been violated by the perpetrator in accordance with the provisions
of the relevant criminal law. M. Yahya Harahap, stated that proof is: "Proof is
provisions that contain outlines and guidelines on ways that are justified by law to
prove the guilt that has been charged to the Defendant." Regulation of the Financial
Services Authority (OJK) Article 18 Number 77/POJK.01/2016 states that the
implementation of online-based lending and borrowing agreements includes,
among others: Agreements between providers and lenders, agreements between
lenders and loan recipients. one of which is an online loan application service
provider, one of which is an online loan application service. Construction of the
Crime of Extortion and/or Threats on Illegal Online Loans can be carried out in
various ways that can harm the borrower. Crimes that are often committed are
criminal acts involving extortion and/or threats to spread personal data, fraud, to
distributing Electronic Information that contains extortion and/or threats.
Regulations regarding illegal online loans are clearly regulated in Indonesia. The
legal liability that can be imposed on these illegal online lenders is also clearly
regulated in the existing regulations in Indonesia, starting from the rules contained
in POJK Number 6/POJK.07/2022 concerning Consumer and Community
Protection in the Financial Services Sector, the Book of the Criminal Law Act, up
to Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008
concerning Information and Electronic Transactions.
Keywords: Online loans, Illegal online loans, Construction crime
Item Type: | Thesis (Bachelor) |
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Creators: | Creators NIM Email ORCID Nyinaq, Desideria NIM01051180183 dderia90@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Budianto, Agus 0326067304 UNSPECIFIED |
Uncontrolled Keywords: | Pinajaman online, Pinjaman online ilegal, Kontruksi tindak pidana. |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Law Current > Faculty/School - UPH Karawaci > Faculty of Law > Law |
Depositing User: | Desideria Nyinaq |
Date Deposited: | 06 Feb 2023 01:48 |
Last Modified: | 06 Feb 2023 01:48 |
URI: | http://repository.uph.edu/id/eprint/53611 |