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All Journal JIHAD : Jurnal Ilmu Hukum dan Administrasi Proceedings Law, Accounting, Business, Economics and Language (LABEL)
Tarissa Dwi Indrawati
Universitas Duta Bangsa Surakarta
Law, Crime, Criminology & Criminal Justice

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PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI KONSUMEN DALAM PERJANJIAN ONLINE PERSPEKTIF HUKUM PERDATA Azhar Hana Nur Arafah; Farhan Azharudin; Tarissa Dwi Indrawati; Tegar Satriya Aji; Aditya Bagus Kuncoro
Proceedings Law, Accounting, Business, Economics and Language Vol. 2 No. 1 (2025): Pembangunan Berkelanjutan: Persepektif Ekonomi,Hukum, dan Komunikasi Dalam Bisn
Publisher : Universitas Duta Bangsa Surakarta

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Abstract

Perkembangan teknologi digital telah meningkatkan penggunaan perjanjian online, yang seringkali melibatkan pertukaran data pribadi konsumen. Namun, perlindungan hukum terhadap data pribadi dalam konteks perjanjian online masih menjadi tantangan, terutama dari perspektif hukum perdata. Artikel ini bertujuan untuk menganalisis kedudukan hukum perdata dalam pelanggaran perjanjian terkait perlindungan data pribadi konsumen serta bentuk ganti rugi perdata yang dapat diberikan kepada konsumen akibat kebocoran data oleh pelaku usaha. Penelitian ini menggunakan metode normatif dengan pendekatan analisis dokumen hukum dan studi literatur. Hasil penelitian menunjukkan bahwa hukum perdata memberikan dasar bagi pertanggungjawaban pelaku usaha melalui asas itikad baik dan wanprestasi. Selain itu, ganti rugi perdata dapat berupa kompensasi finansial, pemulihan nama baik, atau tindakan tertentu untuk mengamankan data. Implikasi dari temuan ini menekankan pentingnya penguatan regulasi dan kesadaran hukum untuk melindungi hak konsumen di era digital.
The Role of the OJK as a Regulator and Facilitator of Consumer Protection in the Fintech Sector Through ADR Tarissa Dwi Indrawati; Rina Arum Prastyanti; Muhamad Habib
JIHAD : Jurnal Ilmu Hukum dan Administrasi Vol. 8 No. 3 (2026): JIHAD : Jurnal Ilmu Hukum dan Administrasi
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/3cr0fk87

Abstract

his study aims to analyze the role of the Financial Services Authority (OJK) in Solo as a regulator and facilitator in providing fintech consumer protection through alternative dispute resolution, as well as to identify the obstacles encountered in its implementation. The study employs an empirical legal method with a descriptive qualitative approach. Primary data were obtained through interviews with the OJK in Solo, while secondary data were sourced from laws and regulations, academic literature, and official OJK reports. The results indicate that the OJK plays a role in regulating, supervising, and facilitating dispute resolution through the Consumer Protection Portal Application (APPK), as well as referring cases to the Financial Services Dispute Resolution Center (LAPS SJK) when internal resolution is not achieved. In addition, the OJK also conducts financial education as a form of preventive protection. Major challenges include low levels of financial and digital literacy, the complexity of proving financial well-being, limitations in the restoration of consumer rights, and difficulties in coordinating oversight. Therefore, improving public literacy, ensuring compliance by fintech providers, and fostering institutional synergy are necessary to achieve more effective consumer protection and provide legal certainty.  
Co-Authors Aditya Bagus Kuncoro Azhar Hana Nur Arafah Farhan Azharudin Muhamad Habib Rina Arum Prastyanti Tegar Satriya Aji