Pelindungan hukum terhadap data pribadi konsumen akibat penagihan hutang pada aplikasi pinjaman online perspektif POJK No.10/POJK.05/2022

Taida, Gracia (2024) Pelindungan hukum terhadap data pribadi konsumen akibat penagihan hutang pada aplikasi pinjaman online perspektif POJK No.10/POJK.05/2022. Masters thesis, Universitas Pelita Harapan.

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Abstract

Globalisasi yang berkembang pesat di Indonesia mempengaruhi perkembangan teknologi salah satunya yaitu aplikasi pinjaman online. Hadirnya pinjaman online memudahkan masyarakat dalam menyelesaikan seluruh proses peminjaman, mulai dari awal kualifikasi sampai dengan pencairan pinjaman. Akan tetapi, kemudahan ini dimanfaatkan oleh berbagai pihak yang tidak bertanggung jawab dengan membuat aplikasi pinjaman online secara ilegal. Hal yang paling terlihat dari aplikasi pinjaman online ilegal yaitu suku bunga yang tidak menentu dan penagihan yang dilakukan tidak sesuai dengan standar operasional yang ditetapkan. Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi merupakan payung hukum bagi aplikasi pinjaman online baik yang legal maupun ilegal. Permasalahan yang akan dikaji yaitu mengenai perlindungan hukum terhadap data pribadi konsumen akibat penagihan hutang di aplikasi pinjaman online ilegal dan efektivitas dari Otoritas Jasa Keuangan (OJK) sebagai lembaga yang mengawasi seluruh penyelenggara keuangan di Indonesia terutama aplikasi pinjaman online ilegal. Hasil kajian menggunakan jenis penelitian Yuridis Normatif, cara perolehan data menggunakan studi kepustakaan dengan pendekatan sistematika hukum dan analisa menggunakan teknik deduktif. Hasil dari penelitian menemukan bahwa perlindungan hukum data pribadi konsumen dibagi menjadi 2 (dua) yaitu perlindungan hukum preventif dan represif. Kedua, efektivitas Otoritas Jasa Keuangan (OJK) sebagai lembaga yang melakukan pengawasan dalam sektor keuangan cenderung lemah karena semakin maraknya pinjaman online ilegal yang hadir di tengah masyarakat. Sehingga selayaknya Otoritas Jasa Keuangan (OJK) dapat memberikan regulasi untuk menindak pinjaman online ilegal agar semakin berkurang. / Globalization that is growing rapidly in Indonesia affects the development of technology, one of which is online loan applications. The presence of online loans makes it easier for people to complete the entire loan process, from initial qualification to loan disbursement. However, this convenience is utilized by various irresponsible parties by making illegal online loan applications. The most visible thing about illegal online loan applications is that the interest rates are uncertain and the billing is not in accordance with the established operational standards. Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology�Based Joint Funding Services is a legal umbrella for both legal and illegal online loan applications. The problem to be studied is the legal protection of consumer personal data due to debt collection in illegal online loan applications and the effectiveness of the Financial Services Authority (OJK) as an institution that oversees all financial providers in Indonesia, especially illegal online loan applications. The study uses a type of Normative Juridical research supported by Empirical Juridical, how to obtain data using literature study with a legal systematic approach and analysis using deductive techniques. The results of the study found that the legal protection of consumer personal data is divided into 2 (two), namely preventive and repressive legal protection. Second, the effectiveness of the Financial Services Authority (OJK) as an institution that supervises the financial sector tends to be weak due to the increasing number of illegal online loans that are present in the community. So that the Financial Services Authority (OJK) should be able to provide regulations to take action against illegal online loans so that they decrease.
Item Type: Thesis (Masters)
Creators:
Creators
NIM
Email
ORCID
Taida, Gracia
NIM01659230034
graciarumias@gmail.com
UNSPECIFIED
Contributors:
Contribution
Contributors
NIDN/NIDK
Email
Thesis advisor
Confido, Jemy Vestius
NIDN8917920021
UNSPECIFIED
Uncontrolled Keywords: perlindungan hukum ; data pribadi ; pinjaman online ; Otoritas Jasa Keuangan
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Gracia Rumia Sarah Taida
Date Deposited: 31 Jan 2025 01:40
Last Modified: 31 Jan 2025 01:40
URI: http://repository.uph.edu/id/eprint/66849

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