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Imam Gunawan, Imam
Universitas Negeri Malang
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Education Electrical & Electronics Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Upaya Preventif dan Represif dalam Penanggulangan Kebocoran Data Pada Penyelenggaraan Pinjaman Online Gunawan, Imam
Officium Notarium Vol. 4 No. 1: MEI 2024
Publisher : Faculty of Law Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JON.vol4.iss1.art3

Abstract

Fintech as a financial service provides convenience for the community, especially fintech lending infrastructure. The discourse on fintech lending, also known as pinjol, has had a very positive effect on society. However, the increasing number of data leak cases has resulted in the existence of fintech lending being misused by unscrupulous individuals. The aim of this research is for readers to learn about preventive steps to overcome data leaks, the validity of transactions, and the resulting legal consequences. The author provides several repressive measures as a legal umbrella against data leaks in the provision of online loans based on statutory regulations and initiates prevention efforts through the application of biometric technology. This research uses qualitative data analysis techniques with a normative research type and also uses two approaches, namely a statutory approach and a conceptual approach. The legal materials in this research use primary and secondary legal materials. The correlation between the statutory approach and primary law is to examine the regulations determined by the online loan administration system, which is currently widespread in Indonesia. Online loans are meant to be illegal online loans, which are problematic because of the ease of submitting funds, which results in data leaks. The emergence of cases in the implementation of online loans shows weak data protection and the ease of loan application and authentication. Therefore, there is a need for further efforts to handle cases involving the implementation of online loans. Repressive efforts with the presence of statutory regulations such as the Civil Code, ITE Law, PDP Law, P2SK Law, and PJOK Number 10/POJK.05/2022 concerning Joint-Based Funding Services Information Technology as a legal protection.Keywords: Biometric Technology; Online Treatment; Leaks Data; Data Protection AbstrakFintech sebagai layanan keuangan memberikan kemudahan bagi masyarakat khususnya fintech lending dalam prasarana peminjaman. Diskursus fintech lending atau dikenal pinjol sangat memberikan efek positif bagi masyarakat. Namun, maraknya kasus kebocoran data mengakibatkan eksistensi fintech lending disalahgunakan oleh para oknum. Tujuan penelitian ini agar para pembaca mengetahui mengenai langkah preventif guna menanggulangi kebocoran data, keabsahan transaksi, serta akibat hukum yang ditimbulkan. Penulis memberikan beberapa upaya represif sebagai payung hukum terhadap kebocoran data pada penyelenggaraan pinjaman online berbasis peraturan perundang-undangan dan menggagas upaya pencegahan melalui penerapan biometric technology. Penelitian ini menggunakan teknik analisis data kualitatif dengan jenis penelitian normatif serta menggunakan 2 pendekatan yaitu pendekatan perundang-undangan (statue approach) dan pendekatan konseptual. Adapun bahan hukum pada penelitian ini menggunakan bahan hukum primer dan sekunder. Korelasi pendekatan undang-undang dengan hukum primer adalah untuk mengkaji regulasi yang ditentukan pada sistem penyelenggaraan pinjaman online yang sedang marak terjadi di Indonesia. Pinjaman online dimaksudkan adalah pinjaman online ilegal yang menjadi problematika karena kemudahan pengajuan pengajuan dana yang berakibat pada kebocoran data. Lahirnya kasus-kasus dalam penyelenggaraan pinjaman online menunjukkan lemahnya perlindungan data serta kemudahan pengajuan pinjaman dan autentifikasinya. Maka dari itu perlu adanya upaya lebih lanjut untuk menangani kasus pada penyelenggaraan pinjaman online.Upaya represif dengan hadirnya peraturan perundang-undangan seperti KUHPer, UU ITE, UU PDP, UU P2SK, maupun PJOK Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi sebagai payung hukum.Kata Kunci: Biometric Technology; Pinjaman Online; Kebocoran Data; Perlindungan Data
Implikasi Hukum Airdrop Kripto pada Aplikasi Telegram Sebagai Bentuk Promosi Aset Kripto Gunawan, Imam; Fikri, Faridh
Jurnal Hukum Caraka Justitia Vol. 5 No. 2 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jhcj.v5i2.2183

Abstract

Telegram is a fast messaging platform and has become the main media for promoting crypto assets. Telegram's functionality establishes its position in innovation in the field of cryptocurrency, such as digital wallets and Peer to Peer markets. The implication is that Telegram, as a social media platform, has penetrated the cryptocurrency sector, one of which is the implementation of crypto airdrops. The purpose of this study is to provide a deeper understanding of the legal implications of crypto airdrops on the Telegram application as a form of crypto asset promotion, including the challenges and opportunities that exist in the context of Indonesian law. The method used in this study is normative legal research with a legislative approach and a conceptual approach. The results of this study are that crypto airdrops are a promotional or marketing strategy by crypto companies for new cryptocurrencies that will be issued. Crypto airdrops are classified into five parts, namely standard airdrops, bounty airdrops, holder airdrops, exclusive airdrops, and lottery airdrops. There are no regulations yet that determine how the crypto airdrop mechanism works in Indonesia. Therefore, the legal implications that occur in this discussion are the problem of Telegram as a social media expanding into the transaction service sector (crypto assets), the determination of new cryptocurrencies, and the problem of tax payments for airdrop hunters by reviewing several regulations in Indonesia, such as the Law, Bappebti Regulations, Ministerial Regulations, OJK Regulations, and other regulations.
Co-Authors A.A. Ketut Agung Cahyawan W Abdul Hakim Abida Ferindistika Putri Ade Putra Nanda Adetya Dewi Wardani Afiatur Rofika Sari Afika Nur Jannah Agus Timan Ahmad Fikri Fajri, Ahmad Fikri Ahmad Ridwan Akbar Syach Ichwanda Burham Aminuddin Aziz, M.PdI, Abdullah Anggarini Retno Palupi, Anggarini Retno Anggraeni Cahyaningtyas Anjar Agus Firawati Annisa’ Hayyu Fi’isyatirrodhiyah Apri Kartikasari H.S, Apri Argadinata, Hasan Asep Sunandar Bengen, Evanly Jorji Bhayangkara, Athalla Nauval Binti Nafi’atus Safa’ah Budi Sunaryo, Budi Budiarti, Erika Mei Burham, Akbar Syach Ichwanda Cahyaningtyas, Anggraeni Chrisna Emilia, Chrisna Desi Eri Kusumaningrum Desreza, Nanda Dewi Ghusti D Dewi Khusnul Chotimah Dewi Tryanasari Dika Novita Sari Dika Novita Sari Dinda Putri Ratnasari Djum Djum Noor Benty Dwi Ayu Atika Sari Dwi Meinita Sari Dwi Retno Y Elly’s Mersina Mursidik, Elly’s Elma Wati Purnama Sari Endang Amaliana Fatma Yuantika Eva Trisnawati Evanly Jorji Bengen Fikri, Faridh Firawati, Anjar Agus Firda Dwi Pratiwi Firda Dwi Pratiwi Firda Dwi Pratiwi Hamdi, Khairil Ibrahim Bafadal Ike Fuji Lely Imron Arifin Irianto, Jusuf Isyatul Karimah Juharyanto Juharyanto Krisnafitriana, Virra Lailatun Nikmatasari Lim Kim Hui Lim Kim Hui Lim Kim Hui M. Adib Wijaya Maghfirotun Sa’diyyah Mangzila, Asfi Maulana Amirul Adha Moko, Joyo Kilat Muhammad Iqbal Muhammad Romady Mutya Alfarina Naufal Danar Bagaskara Nila Ratnawati Nur Samsiyah, Nur Nurabadi, Ahmad Nurul Ulfatin Putra, Heru Rahmat Wibawa Qonitatul Labibah Raden Bambang Sumarsono Raden Bambang Sumarsoso Rina Tri Sulistyoningrum, Rina Tri Riski Ariska Widiana Sari Oktavia Ningsih Sari Oktavia Ningsih Sari, Dwi Kumala Selly Nurina Suraya, Selly Selly Nurina Suraya, Selly Nurina Shofiyatul Marwiyah Sisco Agustian Sri Murdiyah Sultoni Sultoni Sultoni Sultoni, Sultoni Suminah Suminah Teguh Triwiyanto Titik Istirohah Vinola, Rima Gusti Wardani, Adetya Dewi Yusuf Sobri, Ahmad