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All Journal POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) Influence: International Journal of Science Review
Aminanto, Muhammad Erza
Unknown Affiliation
Humanities Computer Science & IT Economics, Econometrics & Finance Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Analysis of Personal Data Vulnerabilities in Legal Online Loan Transactions Afronal; Puspita, Maria; Aminanto, Muhammad Erza
INFLUENCE: INTERNATIONAL JOURNAL OF SCIENCE REVIEW Vol. 5 No. 3 (2023): INFLUENCE: International Journal of Science Review
Publisher : Global Writing Academica Researching and Publishing

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Abstract

This research examines the vulnerability of personal data in online loan transactions in Indonesia. Advances in financial technology have created a rapidly growing fintech industry, which includes online lending services. However, the use of personal data in these transactions carries serious potential risks related to the vulnerability of personal data. In this research, the author uses a descriptive qualitative approach by combining interviews and secondary data analysis from literature related to personal data protection in Indonesia. The research results show that personal data used in online loan transactions has a high attraction for irresponsible online loan managers. The vulnerability of personal data in online loan transactions is reflected in various threats, including cyber-attacks that can cause serious financial and reputational losses for individuals involved in these transactions. This will ultimately cause social and psychological costs for the victim. Stricter measures in protecting personal data and strengthening security policies in online loan applications are necessary to reduce the risk of these vulnerabilities. This research also identifies legal provisions governing personal data protection and underscores the need for awareness of privacy rights and data security in the fintech industry.
COMPARATIVE STUDIES ON TRENDS AND STRATEGIES FOR COMBATING CYBERCRIME BETWEEN INDONESIA AND DEVELOPED COUNTRIES Fazlurrohman, Muhammad Ahfadh; Nita, Surya; Aminanto, Muhammad Erza
POLICY, LAW, NOTARY AND REGULATORY ISSUES Vol. 3 No. 4 (2024): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/polri.v3i4.1512

Abstract

Cybercrime has become a significant global threat, targeting individuals, organizations, and governments with increasing sophistication. This study aims to conduct a comparative analysis of cybercrime trends, patterns, and mitigation strategies between Indonesia and developed countries. Using a Systematic Literature Review (SLR) method, this research highlights the dominance of phishing and ransomware in Indonesia, often exploiting weak digital literacy and regulatory gaps. Conversely, advanced threats like Advanced Persistent Threats (APT) and AI-based malware are prevalent in developed countries, supported by robust cybersecurity infrastructure and international regulations such as the Budapest Convention. The findings emphasize the urgent need for Indonesia to enhance its cybersecurity readiness through technology adoption, legal framework improvement, and public education. This study offers valuable insights into bridging the cybersecurity gap between developing and developed nations, promoting international collaboration for a safer digital ecosystem. Adopting more modern strategies can be an opportunity for Indonesia to enhance its cyber resilience.
THE ANALYSIS OF EFFECTIVENESS OF USING DRONE EMPRIT AS A CYBER PATROL ASSISTANCE TOOL: LAMPUNG AND NORTH SUMATRA REGIONAL ELECTION STUDY CASE Haloho, Pebriandi; Nita, Surya; Aminanto, Muhammad Erza
POLICY, LAW, NOTARY AND REGULATORY ISSUES Vol. 3 No. 4 (2024): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/polri.v3i4.1514

Abstract

This study evaluates the effectiveness of Drone Emprit as a cyber patrol tool during the 2024 regional elections (Pilkada) in Lampung and North Sumatra. By leveraging big data analytics and natural language processing, Drone Emprit monitors public sentiment and key issues on social media, such as neutrality of civil servants (ASN), misinformation, and potential conflicts. Using a mixed-method approach, data were collected from Twitter over four observation periods. The findings show significant changes in public sentiment, with positivity dominating early periods and negativity increasing in later periods due to controversies. The analysis highlights Drone Emprit real-time capabilities in detecting public sentiment, identifying key issues, and supporting strategic decision-making. This study underscores the potential of big data tools to enhance cyber patrols and maintain social stability during politically sensitive periods.
Co-Authors Afronal Fazlurrohman, Muhammad Ahfadh Haloho, Pebriandi Nita, Surya Puspita, Maria