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Wardah Yuspin
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Journal : Unram Law Review

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Perlindungan Konsumen Data Pribadi Nasabah Bank Syariah Indonesia ditinjau dari POJK Nomor 6/POJK.07/2022 Amandha Bayu Wiedyasari; Wardah Yuspin
Unram Law Review Vol 8 No 1 (2024): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v8i1.331

Abstract

This research aims to study and analyze the legal protection of customer personal data of banks reviewed in POJK No. 6/POJK.07/2022 and the case of leakage of customer personal data of Bank Syariah Indonesia viewed in POJK No. 6/POJK.07/2022. The method used is qualitative research with a normative legal approach. The results show that 1) personal data is data about an individual who is identified or can be identified that needs to be protected. From personal data, private information about an individual can be obtained, which needs to be protected by banking institutions as institutions that rely on public trust for their sustainability. The leakage of customer personal data has legal protection for consumers and the public, as outlined in OJK Regulation No. 06/POJK.07/2022 concerning Legal Protection in the Financial Services Sector, aimed at strengthening consumer protection aspects, including the protection of bank customer personal data as financial service consumers. This regulation emphasizes the prohibition of providing consumers' personal data to third parties. This regulation includes rules on legal sanctions for parties that fail to comply with the provisions, such as provisions regarding the prohibition for financial service providers to misuse consumers' personal data or information. Sanctions imposed include administrative sanctions and nominal fines. 2) Cases of leakage of customer data from Bank Syariah Indonesia can be pursued legally for the leakage of customer personal data in banking services against cybercrimes, according to Article 1 of POJK No. 6/POJK.07/2022. PT. Bank Syariah Indonesia must compensate customers for damages caused by system malfunctions and unlawful acts (PMH) according to Article 11 of POJK No. 6/POJK.07/2022 regarding the prohibition of providing consumers' personal data and/or information. Bank Syariah Indonesia must be responsible for the leakage of customer data without the need for proof of fault, as sanctions for data breaches have been regulated in Article 3, paragraph 3, of POJK No. 6/POJK.07/2022.
Co-Authors Abdullah Tri Wahyudi Absori Absori Achmad Miftah Farid Adi Nugroho Adityo Wiwit Kurniawan Ahmad Ghufron Ahzar, Rizki Maulana Aidul Fitiada Azhari Aidul Fitriciada Azhari Amanda Putri Ariyani Amandha Bayu Wiedyasari Ameilia Annisa Salsabila Andria Luhur Prakoso Andriadin, Andriadin Andriati, Fatmi Anindhita Nurfaatin Sukirman Anisa, Nurul Arief Budiono Ata Fauzie Aya Mohammed Youssef Abd Allah Azhar Alam Bahari, Roni Baskoro Tri Pamungkas Basuki, Muhammad Nur Aji Berlian Ramadhany Ayuningtyas Binar Sapto Nugroho Chandra, Rizky Aditya Danang Kurniawan Danang Sugihardana Diana Setiawati Diyah Murti Hastuti ellectrananda anugerah ash-shidiqqi Eny Purwandari Esmara Sugeng Etyn Ariyani Susilowati Fadhilah, Astutik Fafta Aini Putriana Fahmi Fairuzzaman Fatimah Salma Azzahra Fauzie, Ata Femy Wahyu Fitriani Gandung Triyanto Genta Arya Mohammad Ghufron, Ahmad Gulyamov, Said Gulyamov, Said Saidakhrarovich Harun Hatinuraya, Yurisvia Previlega Indah Maulani Iramadya Dyah Marjanah Irawansah, Didik Isman, Isman Jati, Ridho Bawana Jihad, Muhamad Ramdhani Jompon Pitaksantayothin Jompon Pitaksantayothin Kelik Wardiono Kuswardhani Kuswardhani Lukman Hakim M Junaidi, M Marisa Kurnianingsih Marjanah, Iramadya Dyah Moh. Indra Bangsawan Mohammad, Genta Arya Muchamad Iksan Mudofi, Luthfi Nurul Hidayah Muhammad Edi Hermawan Muhammad Nur Aji Basuki Muhammad Nur Aji Basuki Mutimatun Ni’ami Nasrullah Natangsa Surbakti Noviasari, Ryska Nur Hasanah Nur ilmi putri febriyanti Nurlina Afifah Litti Nurrachman, Alfan Dzikria Patra, Yusril Aulia Peggy Dian Septi Nur Anggraini Pramesti, Nadila Putri Puspitasari, Aprilia Dyah Rahardjo, Trisno Rajput, Trisha Ridwan Rika Yunita Hardiyati Rizka Rizka Rizka Rizka Rizka Rizka, Rizka Said Saidakhrarovich Gulyamov Sakia Agia Salsabella Salsabila Athiyyatulmajid Septarina Budiwati Septarina Budiwati Setiyawan, Wahyudi SH, Harun Shofiana Eka Aulia Siti Soekiswati Soekarno, Rohmat Syaifuddin Zuhdi SYAMSUL HIDAYAT Tampawestri, Miranti Kusretno Ulfa, Nadiya Wiliani, Amalia Yudanto Yudanto Yulian Dwi N Yurisvia Previlega Hatinuraya Zuvarcan, Diaz Alifarizki