PERLINDUNGAN HUKUM BAGI PIHAK DEBITUR DALAM PENYALAHGUNAAN DATA PRIBADI PADA LAYANANAPLIKASI PINJAMAN ONLINE ILEGAL

Abstract

Online loan services, many people have complained about problems regarding the dissemination of personal data by online loan providers without notice and without permission from the owner. The method used is Normative-Empirical. The theory used is the theory of legal protection and the theory of legal certainty. The results of the study of legal protection and sanctions for personal data breaches have been regulated in Law no. 11 of 2008 and its amendments regarding Information and Electronic Transactions, but specifically regarding legal protection and sanctions for personal data violations in online loan services are listed in the Financial Services Authority Regulation No. 77/POJK.01/2016, it is emphasized in Article 26 that the organizer is responsible for maintaining the confidentiality, integrity and availability of users' personal data and in their use must obtain approval from the owner of personal data unless otherwise stipulated by the provisions of laws and regulations. Sanctions for personal data breaches refer to Article 47 paragraph (1).