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PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI DEBITUR DALAM PERJANJIAN PINJAMAN ONLINE BERBASIS FINANCIAL TECHNOLOGY

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Penilaian

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One of the breakthroughs in technology is the emergence of financial technology (fintech) for lending services, commonly known as fintech lending. This system facilitates lending and borrowing agreements conducted online, allowing parties to complete transactions without meeting directly. Consequently, this process involves the use of clickwrap and browsewrap contracts, which are electronic agreements created by the parties using an electronic system. On the other hand, many problems arise with the existence of financial technology peer to peer lending, and one of the problems is related to personal data. The purpose of this study is to analyze the legal protection of debtor's personal data in Financial Technology-based online loan agreements and the Legal Effects of Agreements made by Creditors and Platform Providers. The method used in this research was normative legal research aimed at producing new arguments, theories or concepts as prescriptive in solving the problem at hand. The approach used was legislation (Statute Approach), Conceptual Approach, Futuristic Approach. The legal materials are analyzed using qualitative analysis and deductive inference. The research results reveal that Legal Protection of Debtor Personal Data in Online Loan Agreements Financial technology has been guaranteed in Indonesian law and the one specifically regulates online loans, known as Financial Services Authority Regulation Number 77/ POJK.01 / 2016 concerning on Information Financial Technology-Based Lending and Borrowing Services. The legal consequences for agreements between customers and creditors that involve a breach of customer data include the possibility of the agreement being annulled by the court, with the creditor required to compensate the debtor. Legal protection of debtor personal data in fintech-based online loan agreements will become increasingly important in the future. Preventive legal protection is implemented through agreements that include rules and consequences for violating the agreement. Repressive protection offers a judicial system for consumers who are harmed by the misuse of personal data by online loan service business actors. Keywords: Agreement, Online Loan, Financial Technology.

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Availability

Inventory Code	Barcode	Call Number	Location	Status
2507001060	T162582	T1625822024	Central Library (Reference)	Available but not for loan - Not for Loan

Detail Information

Series Title

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Call Number

T1625822024

Publisher

: Prodi Magister Ilmu Hukum, Fakultas Hukum Universitas Sriwijaya., 2024

Collation

xiii, 65 hlm.; tab.; 29 cm.

Language

Indonesia

ISBN/ISSN

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Classification

340.07

Content Type

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Media Type

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Carrier Type

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Edition

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Subject(s)

Ilmu hukum

Specific Detail Info

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Statement of Responsibility

EM

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