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All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika Al-I´lam: Jurnal Komunikasi dan Penyiaran Islam Edukasi Islami: Jurnal Pendidikan Islam Societa: Jurnal Ilmu-Ilmu Agribisnis Jurnal Ilmiah Edunomika (JIE) Siyasatuna Jurnal Ilmiyah Mahasiswa Siyasah Syariyyah Ishlah: Jurnal Ilmu Ushuluddin, Adab dan Dakwah Amsir Law Jurnal (ALJ) Metta : Jurnal Ilmu Multidisiplin GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Journal Peqguruang: Conference Series Khazanah: Jurnal Sejarah dan Kebudayaan Islam Shautuna: Jurnal Ilmiah Mahasiswa Perbandingan Mazhab Journal of Da'wah Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Nuras : Jurnal Pengabdian Kepada Masyarakat International Journal of Economics and Management Komposit : Jurnal Pengabdian Dan Pemberdayaan Masyarakat Journal of Education, Social & Communication Studies Qonun Iqtishad EL Madani Journal
Suriyadi, Suriyadi
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ANALISIS YURIDIS PENGENAAN PASAL PENCEMARAN NAMA BAIK DAN CYBERBULLYING DALAM KASUS PENYEBARAN DATA PRIBADI OLEH FINTECH LENDING Utami, Mieke Aprilia; Ramadhani, Sri Ridma; Suriyadi, Suriyadi; Murjani, Ahmad
GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Vol. 13 No. 2 (2026): 2026 Februari
Publisher : Lembaga Kajian Ilmu Sosial dan Politik (LKISPOL)

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Abstract

The practice of debt collection in peer-to-peer lending (fintech lending) in Indonesia is often characterized by digital intimidation and misuse of personal data, violating the constitutional rights of customers. This study aims to empirically examine the effectiveness of defamation articles in the ITE Law (Electronic Information and Transactions Law) and protection instruments in the PDP Law (Personal Data Protection Law) on the guarantee of customers' digital dignity protection. This study employs a quantitative method with a juridical-empirical approach. Data were collected via questionnaires from 100 fintech users selected using purposive sampling technique and analyzed using multiple linear regression. The results indicate that both regulations simultaneously have a positive and significant effect on customer protection, with a contribution of influence (R2) of 58.2%. Partially, the PDP Law was found to have a more dominant impact (β = 0.452) compared to the ITE Law (β = 0.284), indicating that customers feel more protected through preventive data governance mechanisms than reactive criminal approaches. This study concludes that although regulations are on the right track, law enforcement effectiveness is still hindered by a gap of 41.8%, influenced by the complexity of proving mens rea and inter-institutional bureaucracy. Therefore, the implementation of the strict liability principle for fintech operators is recommended to mitigate the risk of cyberbullying in the future.
Co-Authors Admizal, Iril Ahmad Khairul Nuzuli Alamudi, Ichwan Ahnaz Amiruddin Siahaan Amrullah Amrullah Andalan, Satrio andi intan cahyani, andi intan Astari, Alfira Nurfasihah Azimalia, Rizka Bayu Anggara Bismar Sibuea Candra Wijaya, Candra Darmaji, Buyung Edi Putra Berutu Firtanosa, Aan Hamzah Hasan, Hamzah Harahap, Irwan Musriza Hasibuan, M Husni Malik Inom Nasution Iskandar, Sutarmo Ivan Sunata Jalwis, Jalwis Majid Wajdi Mardhiatul Husna Mardianto Mardianto Meria, Lista Mirdad, Jamal MMSI Irfan ,S. Kom Murjani, Ahmad NABILA, MAHARANI Nur, Muhammad Azhar Purnomo, Subekhi Hadi RAMADHANI, Sri Ridma Rangkuti, Agus Edy Samin Samin Simanungkalit, Erwinsyah Simbolon, Ronal H T SITI MARIAM Sukamto, Ika Sumiyarsi Syafrida Hani Tarigan , Jenni Sari Usman Usman Utami, Mieke Aprilia Wahyuni, Wenni Zakiar, Zakiar