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Ardyanus Hartony Laos
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Analysis of Legal Protection for Borrowers' Personal Data in Online Loan Application Services (Case Study: PT Barracuda Fintech Indonesia) Ardyanus Hartony Laos; Ariawan Gunadi
Tarumanagara Law Review Vol. 2 No. I (2020): Talrev-Untar
Publisher : Faculty of Law Tarumanagara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/talrev.v2iI.38999

Abstract

In online loan application services, (Fintech) many people have complained about problems regarding the dissemination of personal data carried out by online loan organizers (Fintech Companies) without confirmation and permission of the data owner. In this regard, it is important to study the legal protection of borrowers' personal data in online loan application services, and sanctions for breaches of personal data. The purpose of this thesis research is to examine the legal protection of the borrower's personal data in online loan application services. The method that will be used in writing this thesis is a normative research method with a statutory approach and a facts approach. The study results show that legal protection and sanctions for breaches of personal data are regulated in Law no. 11 of 2008 and its amendments regarding Information and Electronic Transactions, and in the Financial Services Authority Regulation No. 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services, which is confirmed in Article 26 that:” "The organizer is responsible for maintaining the confidentiality, integrity and availability of user's personal data and in its use must obtain approval from the owner of the personal data unless otherwise stated. by the provisions of laws and regulations.
Co-Authors Ariawan Gunadi