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Journal : Jurnal Independent

Legal Responsibility of Desk Collection in Threats of Psychic Violence Against Financial Technology Customers Shodiq, Ja'far; Khitam, Muhammad Chusnul; Arianto, Arianto; Khumairoh, Nur Izzatul
Jurnal Independent Vol. 13 No. 2 (2025): Jurnal Independent
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/ji.v13i2.394

Abstract

Crime committed by desk collection is a type of crime carried out through electronic media that violates the Law on Electronic Information and Transactions (ITE Law), where in fact the debt collection process should be conducted ethically and politely towards debtors. However, the crimes committed by desk collection agents grossly violate both company procedures and the law. The crimes committed by desk collection agents, particularly in the form of psychological threats via online media through Financial Technology (Fintech) applications, constitute violations of the ITE Law, which prohibits intentionally and unlawfully sending electronic information containing threats or intimidation, which is punishable by law. The mistakes made by desk collection agents include carrying out collection methods such as insults, dissemination of debtor information that should be kept private, and repeated terror or intimidation, all of which violate the elements stipulated in the ITE Law. Based on the background above, the writer formulates the following research questions: First, how is the legal regulation regarding debt collection through electronic media? Second, how is legal protection provided for debtors who are victims of desk collection? The type of research used in this study is normative legal research, also known as library or doctrinal research. The legal materials used consist of primary and secondary legal materials, including: Article 29 in conjunction with Article 45B of Law Number 11 of 2008 on Electronic Information and Transactions, Law Number 27 of 2022 concerning Personal Data Protection (PDP Law), which prohibits the use of personal data without the owner's consent. Protection for fintech customers is regulated in OJK Regulation No. 77/POJK.01/2016, which requires every fintech company to implement procedures and safeguards for the confidentiality of customer data, both personal and transactional
Co-Authors A.A. Ketut Agung Cahyawan W Abbas, Muhammad Adnan Anugrah, Iqbal Afifah, Novita Nur Agustiana, Agustiana Agustiani, Nurling Akbar, A.Ali Akbar, Muh Akbar, Muh. Akhmad Qashlim, Akhmad Al Farizi, Zulham Alfia, Barkatun Nisa Alghi, Anugerah Febryan Alimuddin Unde, Alimuddin Alimuddin Unde, Andi Amal, Andi Ulfaizah Amanda, Audrey Amanda, Yoga Aminah Aminah Aminuyati Amir, Achyar Islami Amir, Muhammad Amiruddin Amiruddin Andi Alimuddin Unde, Andi Alimuddin Andi Tendean Andoyo Sastromiharjo Andriyani, Desi Anhar Salim, Muhammad Annisa Annisa Anugrah, Riswan Ahmad Anwar, Wulandari Aprilia, Amanda Rechita Putri Arif, Arif Prasetya Artiyany, Megawati Assidiq, Muhammad Ayu Safitri Bantun, Suharsono Basri Basri Boni Saputra Bujaya, Muhammad Cahyadi Saputra Akasse crysantini paays, Vitalona Dadi Riskiono, Sampurna Danindra, Fuad Deliani, Susy Deliany, Susi Dewi Kartikasari Dian Indriani Dyah, Ratnasari Dyah. P, RR. Ratnasari Elina P, Lies Elmania, Putri Fachry Abda El Rahman Fadhilah, Aura FAHARUDIN, FAHARUDIN Fahmi, M. Khairul Faizul Candra, Iqbal Fajrun, Fajrun Fatimah Zahara, Siti Fatriana, Disya Giatman, M Gumilang, Rinaldy Gustianty, Fahra Elvy Haerani, Khuldatul Hafied Cangara, Hafied Hamdani Hamdani Hamid, Fanul Harahap, Andi Syahputra Harahap, Hotni Sari Haris Firmansyah Harmawan, Rizal Harnida Wahyuni Adda Hartati, Ani Hartini, Devi Hasidu, La Ode Abdul Fajar Hasria Hasria, Hasria Hayati, Rini Helmi, Hidayatul Hera Yanti Hermana, BP. Putra Hery Widijanto Hidayah, Tiara Hudaibah, Fadlia Dwi Iis Afrianty Indra, Agustian Indriani Indriani Irmawati Irmawati Jeanny Maria Fatimah Kamaruddin, Anggi Ashari Karnay, Sudirman Kaseng, Saharuddin Khitam, Muhammad Chusnul Khumairoh, Nur Izzatul Koria, Koria Kurnia, Ika Kurniasih, Ninik Kusmana, Endang Kustina, Rika Kusyani, Diah La Aba Linasari, Linasari Lubis, M. Ilyas Lubis, M. Syukri Azwar M. Agus Salim Al Fathoni Mahyus, Mahyus Mangurai, Silvia Uthari Nuzaverra Mayang Maratun Janah, Maratun Mardizal, Jonni Marzuki, Nur Rofifah Maswar, Muhammad Azwar Mau, Muliadi Meilendra, Karsal melani putri Misdawati, Misdawati Misra, Isra monica, shinta Muh Akbar Muhamad Tarmizi Muhammad , La Ode Muhammad Akbar MUHAMMAD MANSUR Muhammad Syahdarul Awal Muhazab, Ahmad Muhlizar Muhlizar Muliadi Muliatik, Sri Mulyah, Santi Mursalim Mursalim Nanda, Gustina Tri Nasution, Maulana Oscard Nasution, Pipit Utari Nina Nina Ninik Kurniasih Nissa, Barkatun Novyanti, Fitri Nur Fadila Qomari, Fatia Nur Faika, Nur Faika Nurhalifah, Nurhalifah Nurhaliza, Nurhaliza Prasetiowati, Lies Elina Pratama, Dianita Gadis Priyadi Nugraha P Purnomowati, Ratnasari Dyah Purnomowati, RR Ratnasari Dyah Putri Lubis, Lailan Syafira Putri, Rika Ilma Qippiah , Mariatul Rangkuti, Sukma Adelina Razak, A Reine Suci Wulandari Rezky Febrianti Riri Trinanda Rismawati Rismawati Rosmadewi, Rosmadewi RR. Ella Evrita Hestiandari Ryandi, Oscar S, Aziza Saeni, Rahman Safar, Muhammad Saidi, Nurhajijah Salam, Adnan Yahya Saleh, Ramlah Sarma Siahaan Sawitri, Sari Sembiring, Selfi Yolanda Sety, La Ode Muhamad Shodiq, Ja'far Shofy K.P, Ramadhaniah Sipaami, Sipaami Siti Rohmah Sitti Murniati Muhtar, Sitti Murniati Siwi, Theresia Solly Aryza Sonni, Alem Febri Soraya Soraya Soraya, Ayu Sri Buwono . Stella Talitha Suganda, Nurdiyanti Suharsono Bantun Supriadi Supriadi Syahirani, Siti Syam, Azizah Lutfiah Syihabuddi, Syihabuddi Syihabuddin Syihabuddin Syukri, Makmur Ta'ali tahir, aswar Tarmizi, Tashadi Tati Baina Gultom Theresia Siwi Kartikawati Toti, Fastion Trisnawati Trisnawati Trisnawati Trisnawati Tuti Bahfiarti Wahida, Nur Wahyudi Wahyudi Warman, Syafil Wijayanti, Nanda Ayu Wina Wulandari Yuliana, Elsa Sari Yulianti, Eva Tri Yuliarma, Yuliarma Yusawinur Barella Yusuf, Andryan Zahroh Shaluhiyah Zainuddin Basri Zawitri, Sari Ziyanti, Nada Warla Zulham AlFarizi