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All Journal Journal of Social Research JURNAL RETENTUM Journal of Multidisciplinary Sustainability Asean
Fonda, Hanif
Unknown Affiliation
Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Pertanggungjawaban Bank dalam Menjamin Keamanan Data Nasabah di Era Digitalisasi Perbankan Fonda, Hanif; Arifin Hoesein, Zainal
JURNAL RETENTUM Vol 4 No 1 (2022): MARET
Publisher : Pascasarjana UDA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46930/retentum.v7i1.5271

Abstract

Penelitian ini bertujuan untuk menganalisis regulasi, perlindungan hukum, dan pertanggungjawaban bank terhadap keamanan data nasabah terhadap perkembangan perbankan digital di Indonesia. Fokus penelitian ini mencakup peraturan yang mengatur digitalisasi perbankan, seperti POJK No. 12/POJK.03/2018 dan POJK No. 12/POJK.03/2021, serta kekosongan hukum terkait perlindungan data pribadi nasabah dalam ekosistem digital. Penelitian juga mengkaji upaya perlindungan yang dilakukan oleh bank, baik melalui kebijakan internal seperti enkripsi data dan otentikasi berlapis, maupun mekanisme kompensasi bagi nasabah yang dirugikan akibat kejahatan siber. Penelitian ini juga membahas aspek pertanggungjawaban bank terhadap kerugian materiil yang dialami nasabah akibat kelalaian dalam menjaga keamanan data, serta kemungkinan tindakan hukum yang dapat diambil oleh nasabah, termasuk tuntutan perbuatan melawan hukum. Penelitian ini diharapkan dapat memberikan rekomendasi untuk penguatan regulasi dan mekanisme perlindungan yang lebih komprehensif dalam mengatasi tantangan yang muncul akibat digitalisasi perbankan.
Reform of Mortgage Execution Through Auction in the Context of Seized Collateral (AYDA) by Banks Fonda, Hanif; Nurdin, Boy
Journal of Social Research Vol. 3 No. 12 (2024): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i12.2342

Abstract

This research aims to analyze the management of Seized Collateral (AYDA) and auction procedures applied by banks in dealing with non-performing loans. Through a normative juridical approach, this study explores the impact of AYDA on market value and bank liquidity, as well as the challenges faced in the auction execution, including low buyer participation and bureaucratic constraints. The results show that effective management of AYDA can reduce the level of Non-Performing Loan (NPL), while optimal auction procedures can maximize collateral value and minimize the risk of losses. Policy recommendations are proposed to enhance the effectiveness of AYDA management and formulate more efficient auction procedures, with the hope of contributing positively to bank financial stability and the economy.
Urgency of Regulating Victims’ Economic Rights in Fictitious Credit Cases Based on Misuse of Personal Data Fonda, Hanif; Santiago, Faisal
Journal of Multidisciplinary Sustainability Asean Vol. 1 No. 6 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijmsa.v1i6.1826

Abstract

Background. The rapid development of information technology has led to an increase in fictitious credit cases involving the misuse of personal data. Victims often experience significant economic losses, including damaged credit reputation and financial hardship. While Indonesia has implemented the Personal Data Protection Law and the Witness and Victim Protection Law, these regulations lack specific provisions for addressing economic losses caused by such crimes. Purpose. This study aims to explore the urgency of regulating victims’ economic rights in fictitious credit cases involving personal data misuse. It also seeks to identify the gaps in existing legal frameworks and propose new measures to address these issues effectively. Method. The study employs a qualitative approach by analyzing existing laws, regulations, and case studies related to personal data misuse in Indonesia. It highlights the inadequacy of current policies and emphasizes the necessity for legal reform. Results. The findings reveal a significant legal vacuum in protecting victims’ economic rights, including compensation, restitution, and credit reputation restoration. The study underscores the need for comprehensive regulations to ensure justice and economic recovery for victims, as well as improved oversight of personal data management and law enforcement. Conclusion. To protect victims’ economic rights, Indonesia must develop specific regulations addressing fictitious credit cases. Enhancing legal frameworks and strengthening enforcement mechanisms are essential to mitigate the impact of personal data misuse in banking transactions.
Co-Authors Boy Nurdin Faisal Santiago, Faisal Zainal Arifin Hoesein