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All Journal JURNAL PENDIDIKAN TAMBUSAI Journal of Law, Poliitic and Humanities
Sinaga, Guna Gerhat
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Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Peran Otoritas Jasa Keuangan Terhadap Perbankan Sebagai Upaya Perlindungan Data Pribadi Nasabah Bank (Studi Kasus Kebocoran Data Nasabah Bank Syariah Indonesia) Sinaga, Guna Gerhat; Jusuf, Azareel Sulistiyanto; Kornelius, Yusuf; Tarina, Dwi Desi Yayi
Jurnal Pendidikan Tambusai Vol. 7 No. 3 (2023): Desember 2023
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v7i3.11404

Abstract

Pada era digitalisasi saat ini kebocoran data nasabah bank sangat mungkin terjadi, seperti kasus kebocoran data nasabah Bank Syariah Indonesia. Ketidakbertanggungjawaban pihak bank telah membawa kerugian bagi para nasabah. Oleh sebab itu, penelitian ini dilakukan untuk menjawab permasalahan hukum yang timbul akibat peristiwa tersebut. Penelitian ini merupakan penelitian hukum normatif yang bersumber dari peraturan perundang undangan, jurnal, laporan, dan berita di media massa. Objek penelitian ini fokus pada perlindungan dan wewenang OJK dalam memberikan perlindungan bagi nasabah bank BSI. Teknik pengumpulan bahan hukum dengan cara studi pustaka dan teknik analisis data berupa analisis kualitatif. Hasil penelitian menunjukan bahwa (1) Dasar Hukum Perlindungan Data Pribadi Nasabah yang Mengalami Kebocoran telah dijamin dan diatur dalam UU Perbankan dan POJK Nomor 1/POJK.07/2013, (2) OJK berwenang melakukan pengawasan, penyelidikan, pengenaan sanksi, dan penyelesaian sengketa. Dengan demikian, perlindungan mengenai data pribadi nasabah yang bocor ini telah diatur dalam peraturan perundang-undangan sekaligus telah diperkuat dengan keberadaan OJK sebagai lembaga pengawas pada sektor keuangan.
Analysis of Compensation Mechanisms as Business Actor Liability for Overclaim in Azarine Skincare Products Sinaga, Guna Gerhat; Surahmad
Journal of Law, Politic and Humanities Vol. 5 No. 5 (2025): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v5i5.1951

Abstract

The purpose of this paper is to analyze the compensation mechanism as a form of business actor's accountability for overclaim practices in skincare product promotions, focusing on a case study of the Azarine product. Overclaim is an action by business actors in providing excessive information or claims regarding the benefits of a product without adequate scientific evidence. This practice not only violates the principles of transparency and honesty in promotion but also has the potential to mislead and harm consumers. This study uses an empirical legal method with a statutory approach and a case approach. The results of the study show that overclaims carried out by business actors violate the provisions of Law Number 8 of 1999 concerning Consumer Protection and BPOM Regulation Number 3 of 2022 concerning Cosmetic Claims. Business actors who are proven to have committed overclaims are obliged to be responsible for providing compensation to consumers in the form of a refund, product exchange, or other compensation in accordance with the losses experienced. This shows the importance of business actors' responsibility to ensure that consumer rights are fulfilled
Co-Authors Dwi Desi Yayi Tarina Jusuf, Azareel Sulistiyanto Kornelius, Yusuf Surahmad