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Silviani, Ninne Zahara
Univesitas Internasional Batam
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Journal : Ganesha Law Review

 1 
ENHANCING CONSUMER PROTECTION IN INDONESIA’S FINTECH INDUSTRY: SAFEGUARDING THE RIGHTS OF FINTECH SERVICE USERS Ninne Zahara Silviani; Jeslyn Teo
Ganesha Law Review Vol 5 No 1 (2023): May
Publisher : Program Studi Ilmu Hukum, Jurusan Hukum dan Kewarganegaraan, Fakultas Hukum dan Ilmu Sosial, Universitas Pendidikan Ganesha

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Abstract

Indonesia, a developed nation, is currently emphasizing its developmental efforts, particularly in the economic sphere. Given that financial resources are not evenly distributed among the Indonesian population across all levels and regions, financial institutions play a crucial role in bolstering the country's economic resilience. Banks, in particular, provide loans to individuals in need of quick funds, addressing society's economic requirements more equitably. With the advancement of technology, the financial sector has undergone a transformation towards digitalization. In this study, a normative method is employed to examine the vertical and horizontal aspects encompassing laws and regulations. The focus is on the legal protection extended to users of online loan services, aiming to identify the safeguards available for consumers utilizing such services. The government, in its commitment to safeguard the Indonesian population residing in the digital realm, particularly in the financial sector where information technology is utilized, has implemented several regulations. Notable among these are the Financial Services Authority Regulation Number 77/POJK.01/2016, the Information and Electronic Transactions (ITE) Law, the Personal Data Protection Law, and the Consumer Protection Law. Given the inherent significance of personal data in the digital world, it becomes crucial to protect it as it forms an integral part of an individual's legal identity. Any misuse of personal data by irresponsible parties infringes upon an individual's rights as a legal subject.
ENHANCING CONSUMER PROTECTION IN INDONESIA’S FINTECH INDUSTRY: SAFEGUARDING THE RIGHTS OF FINTECH SERVICE USERS Ninne Zahara Silviani; Jeslyn Teo
Ganesha Law Review Vol. 5 No. 1 (2023): May
Publisher : Program Studi Ilmu Hukum, Jurusan Hukum dan Kewarganegaraan, Fakultas Hukum dan Ilmu Sosial, Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/glr.v5i1.2238

Abstract

Indonesia, a developed nation, is currently emphasizing its developmental efforts, particularly in the economic sphere. Given that financial resources are not evenly distributed among the Indonesian population across all levels and regions, financial institutions play a crucial role in bolstering the country's economic resilience. Banks, in particular, provide loans to individuals in need of quick funds, addressing society's economic requirements more equitably. With the advancement of technology, the financial sector has undergone a transformation towards digitalization. In this study, a normative method is employed to examine the vertical and horizontal aspects encompassing laws and regulations. The focus is on the legal protection extended to users of online loan services, aiming to identify the safeguards available for consumers utilizing such services. The government, in its commitment to safeguard the Indonesian population residing in the digital realm, particularly in the financial sector where information technology is utilized, has implemented several regulations. Notable among these are the Financial Services Authority Regulation Number 77/POJK.01/2016, the Information and Electronic Transactions (ITE) Law, the Personal Data Protection Law, and the Consumer Protection Law. Given the inherent significance of personal data in the digital world, it becomes crucial to protect it as it forms an integral part of an individual's legal identity. Any misuse of personal data by irresponsible parties infringes upon an individual's rights as a legal subject.
Co-Authors Abrar, Farhan Rabbani Agustina Agustina Agustini, Shenti Alberta Adeline Marvel Alhakim, Abdurrakhman Amelia Putri Anisah Anisah, Amelia Putri Anweidri Chai Asep Rinaldy Atmaja, Vanessa Riarta Avisa Putri Anggara Belinda Oktaviani Ceisarina, Indah Tiara CHRISTIANA CHRISTIANA, CHRISTIANA Cindy Tan Daniella Natasha Dedi Jaya Deni Achmad Deni Achmad Disemadi, Hari Sutra Efrintan Debora Sibarani Eko Pratama Sinaga Elvin Valentino Elza Syarief, Elza Erni Erni Febriyani, Emiliya Fennesy Fiorent Lim Ferawati Ferawati Fitri, Winda FL. Yudhi Priyo Amboro, FL. Yudhi Priyo Girsang, Junimart HARTONO, ADI Henry Soelistyo Budi, Henry Soelistyo Hutauruk, Rufinus Hotmaulana Hyun, Park Ji James Gan Jesen Winardo Jeslyn Teo Joel Jordan Tobing Jonathan Jonathan Junimart Girsang Kellie Leslie Kevin Saputra Kristina Dwi Putri Lidia Kando Br Gea Lu Sudirman Mahendra, Adam Maya Shafira Maya Shafira Mega Hardianti Kho Melisa Melisa Mellberg Limanda Muhammad Alfiq Zhian Muhammad Ikhsan Kasturi Muhammad Ikhwanul Amri Nanda Melani Nellsen Purwandi Ninin Ernawati Ninin Ernawati Nipon Sohheng Nurlaily NURLAILY, NURLAILY Park Ji Hyun Park, Jihyun Prakasa, Satria Unggul Wicaksana Putri, Erika Emilia Rahayu, Putri Ratna Kumala Sari Raymond Raymond Rehulina Tarigan Rina Shahriyani Shahrullah Rudolf Haiti Rusdiana, Shelvi Sadiah, Azzhara Halimatus Santoso, Inggrid Rosemary Seela Anwar Sya'adah Sholahuddin Al-Fatih Silvia Yolanda Octavia Situmeang, Ampuan Sri Zanariyah Tampubolon, Theresia Tan, David Tan, Winsherly Tantimin, Tantimin Tianto, Agus Triana Dewi Seroja Vanessa Riarta Atmaja Vivi Willson Willson Yenny Permata Liegestu Yustisio Mahendra Ziko Riandi Zuraini Zuraini