The Urgency of Legal Protection for Borrowers' Personal Data in Online Loan Application Services

Kusuma, Oktaria Wim (2022) The Urgency of Legal Protection for Borrowers' Personal Data in Online Loan Application Services. Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

The flow of globalization is increasingly experiencing rapid development. The presence of online loans as a form of financial technology (fintech) is the impact of technological advances and many offer loans with easier and more flexible terms and conditions compared to conventional financial institutions such as banks. A personal data breach has occurred. In this case, some of its customers have complained that their personal data has been disseminated by the online lender] without notification and without the permission of the owner of the personal data. Dissemination of personal data is carried out by sending messages to all telephone contacts owned by the borrower, where the message contains the borrower's personal data, the amount of debt borrowed and notifies the person concerned to make debt payments from the borrower. This study uses a statutory approach (Statute Aproache), in order to study the synchronization of regulations regarding online loans with applicable laws and regulations, so that later they produce descriptive conclusions. The right to personal data protection is a right that has been guaranteed by laws and regulations, especially regulated in the provisions of POJK NUMBER 77 / POJK.01/2016 Article 26 letter a, so that financial services business actors are required to comply with the personal data of consumers who use online loan application services. Repressive legal protection that can be done by consumers who are victims of misuse of personal data by online loan business actors is to file a lawsuit against the law based on Article 1365 of the Civil Code with the aim of issuing compensation from the consumer.

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Perlindungan Konsumen, Data Pribadi, Pinjaman Online
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Program Studi Ilmu Hukum
Depositing User: 1311600076 Oktaria Wim Kusuma
Date Deposited: 22 Apr 2022 02:16
Last Modified: 11 May 2022 03:09
URI: http://repository.untag-sby.ac.id/id/eprint/15654

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