The Fintech Phenomenon: Protection of Consumer Privacy Data in Online Lending

Authors

  • Ika Dewi Sartika Saimima Fakultas Hukum; Universitas Bhayangkara Jakarta Raya
  • Valentino Gola Patria Fakultas Hukum; Universitas Bhayangkara Jakarta Raya

DOI:

https://doi.org/10.31599/jki.v21i2.564

Abstract

Abstract

 

Financial technology innovation that occurs nowadays leads to accelerated changes in the financial sector. However, these developments are like double-edged swords, on the one hand they provide convenience for consumers, on the other hand pose risks for consumers related to the confidentiality of their personal data. Money lending business through Peer to Peer lending (P2P lending) system often results in consumers receiving threats when they are late making payments. This paper presents several cases that result in consumers experiencing personal data theft, receiving threats directed at relatives or acquaintances. Even committing fraud by taking money from borrowers or customers without following the regulations made by the Financial Services Authority (OJK). The research data is carried out in a qualitative normative way where the data is translated based on legal norms and uses legal theory that can explain and answer existing legal problems.

 

Keywords: Consumer Protection, Peer to Peer lending (P2P lending), Private Data Protection

 

Abstrak

 

Inovasi teknologi keuangan yang terjadi saat ini mengarah pada akselerasi perubahan di sektor keuangan. Namun perkembangan tersebut ibarat pedang bermata dua, di satu sisi memberikan kemudahan bagi konsumen, di sisi lain menimbulkan risiko bagi konsumen terkait kerahasiaan data pribadinya. Bisnis money lending melalui sistem Peer to Peer lending (P2P lending) seringkali mengakibatkan konsumen mendapat ancaman ketika mereka terlambat melakukan pembayaran. Makalah ini menyajikan beberapa kasus yang mengakibatkan konsumen mengalami pencurian data pribadi, menerima ancaman yang ditujukan kepada kerabat atau kenalan. Bahkan melakukan penipuan dengan mengambil uang dari debitur atau nasabah tanpa mengikuti ketentuan Otoritas Jasa Keuangan (OJK). Data penelitian dilakukan secara normatif kualitatif dimana datanya diterjemahkan berdasarkan norma hukum dan menggunakan teori hukum yang dapat menjelaskan dan menjawab permasalahan hukum yang ada.

Kata kunci: Peer to Peer lending (P2P lending), Perlindungan Konsumen, Perlindungan Data Pribadi

 

Kata Kunci: Perlindungan Konsumen, Peer to Peer lending (P2P lending), Perlindungan Data Pribadi

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Author Biographies

  • Ika Dewi Sartika Saimima , Fakultas Hukum; Universitas Bhayangkara Jakarta Raya

    Fakultas Hukum; Universitas Bhayangkara Jakarta Raya

  • Valentino Gola Patria , Fakultas Hukum; Universitas Bhayangkara Jakarta Raya

    Fakultas Hukum; Universitas Bhayangkara Jakarta Raya

References

Anugerah, Dian Purnama, and Masitoh Indriani. “Data Protection in Financial Technology Services: Indonesian Legal Perspective.” IOP Conference Series: Earth and Environmental Science 175, no. 1 (2018): 12188. https://doi.org/10.1088/1755-1315/175/1/012188.
Az, Nasution. Hukum Perlindungan Konsumen Suatu Pengantar. Jakarta: Diadit Media, 2002.
Departemen Perlindungan Konsumen OJK, 2017.
OJK. “Data Otoritas Jasa Keuangan Per Tanggal 30 November 2019,” 2019.
R. Soesilo. Kitab Undang-Undang Hukum Pidana (KUHP) Serta Komentar-Komentarnya Lengkap Pasal Demi Pasal. Politeia – Bogor. Politeia – Bogor, 1991.
Sari, A.R. “Perlindungan Hukum Bagi Pemberi Pinjaman Dalam Penyelenggaraan Financial Technology Berbasis Peer To Peer Lending Di Indonesia.” Jurnal Uajy, 2018.
Tolib, Setiady. Pokok-Pokok Filsafat Hukum Dalam Penelusuran Kepustakaan. Bandung: Penerbit Dewa Ruchi, 2007.

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Published

2021-05-27

Issue

Section

Articles

How to Cite

The Fintech Phenomenon: Protection of Consumer Privacy Data in Online Lending . (2021). Jurnal Kajian Ilmiah, 21(2), 185-194. https://doi.org/10.31599/jki.v21i2.564