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All Journal Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Hang Tuah Law Journal
Hikmah, Aufa Fajrul
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Arts Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Urgensi Pengaturan Bentuk Perjanjian Tertulis Antara Biro Penyelenggara Umrah Dengan Jemaah Umrah Hikmah, Aufa Fajrul; Chanifah, Nur; Widhiyanti, Hanif Nur
Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Vol 8, No 3 (2023): November 2023
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um019v8i3p272-282

Abstract

the purpose of writing this article is to discuss the urgency of arranging a written Umrah departure agreement. The study uses a normative juridical method with a statutory approach and an analytical approach. Law Number 18 of 2019 concerning the Implementation of the Hajj and Umrah Pilgrimage does not require written agreements so that problems often arise that are detrimental to the congregation. Collaboration between the bureau and the umrah congregation can run smoothly if the agreement is implemented in writing. This is to reduce the risk of fraud or other things that could harm one or both parties. A written agreement provides more legal certainty and protection to the parties which is used as a guide for the bureau and the congregation to act in accordance with what was promised
Legal Liability for Personal Data Misuse in Digital Banking Herryani, Mas Rara Tri Retno; Hikmah, Aufa Fajrul; Rahman, Irham
Hang Tuah Law Journal VOLUME 10 ISSUE 1, APRIL 2026
Publisher : Fakultas Hukum Universitas Hang Tuah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/htlj.v10i1.361

Abstract

Digital transformation in the banking sector has led to the emergence of digital banking services that provide convenience, efficiency, and accessibility to the public. However, on the other hand, this development increases the risk of misuse of customer personal data, potentially resulting in material and immaterial losses. This study aims to analyze the forms of legal protection and legal accountability for misuse of customer personal data in banking institutions in the digital era. The research method used is normative legal research with a statutory and conceptual approach, through an examination of the Banking Law, Financial Services Authority regulations, Law Number 27 of 2022 concerning Personal Data Protection, and regulations related to consumer protection. The results show that the protection of customer personal data is part of citizens' constitutional rights that must be guaranteed by the state and electronic system providers, including digital banks. Legal liability for misuse of personal data can be imposed in the form of civil, administrative, and criminal liability, depending on the type of violation. Banks, as digital service providers, are obliged to apply the principle of prudence, maintain data confidentiality, and provide complaint and dispute resolution mechanisms for customers. The Personal Data Protection Law strengthens the legal basis for customer protection, but effective implementation and oversight remain challenges. Therefore, synergy between the government, the Financial Services Authority (OJK), and banking institutions is needed to strengthen data security systems and ensure legal certainty for customers facing the risk of personal data misuse in the digital era.
Co-Authors Hanif Nur Widhiyanti, Hanif Nur Herryani, Mas Rara Tri Retno Irham Rahman Nur Chanifah