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 |