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All Journal Jurnal Multidisiplin Sahombu Aladalah: Jurnal Politik, Sosial, Hukum dan Humaniora
Elda Septi Darmayanti
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Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Tanggung Jawab Hukum Pinjaman Online terhadap Penyebaran Data Nasabah secara Ilegal Elda Septi Darmayanti; Sidi Ahyar Wiraguna
ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora Vol. 3 No. 2 (2025): ALADALAH: Jurnal Politik, Sosial, Hukum dan Humaniora
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/aladalah.v3i2.1313

Abstract

The development of financial technology (fintech), especially online lending services (pinjol), has provided easy financial access for the public. However, on the other hand, serious problems have emerged related to the misuse and illegal distribution of customer personal data by pinjol service providers. This study aims to analyze the legal responsibilities that can be imposed on pinjol organizers for customer data leaks and to evaluate the influence of Law Number 27 of 2022 concerning Personal Data Protection (UU PDP) in providing legal protection for victims. The research method used is normative juridical with a statutory, conceptual, and case study approach. Data were obtained through literature reviews, laws and regulations, and court decisions. The results of the study show that pinjol organizers who illegally distribute customer data can be subject to criminal, civil, and administrative legal responsibilities. Law Number 27 of 2022 concerning Personal Data Protection provides a fairly strong legal basis, but there are still obstacles in its implementation, such as the suboptimal supervision mechanism and weak sanctions against perpetrators. The conclusion of this study is the need to strengthen the derivative regulations of Law Number 27 of 2022 concerning Personal Data Protection and increase the active role of supervisory authorities such as the OJK and Kominfo in supervising data processing practices by online loan providers. It is recommended that the government immediately draft technical implementing regulations and expand socialization regarding data subject rights to the public.
Legal Analysis of the Blocking of Customer Accounts by PT Bank Mandiri TBK from the Perspective of Customer Legal Protection (Study of Decision Number 112/PDT.G/2022/PN.YYK) Alya Puspita Juliasari; Dhiva Aurora Pramhesta Dharma; Elda Septi Darmayanti; Friska Nova Wijaya Siagian; Muhamad Daud Hidayatulloh; Salma Ayu Nurmala; Luthy Yustika
Jurnal Multidisiplin Sahombu Vol. 6 No. 02 (2026): Jurnal Multidisiplin Sahombu, 2026
Publisher : Sean Institute

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Abstract

Blocking customer accounts is one of the administrative measures that banks can take in order to apply the principles of prudence and risk control. However, this authority is not absolute, as it has the potential to limit the civil rights of customers if carried out without a clear legal basis and valid procedures. This study aims to examine the legal regulations regarding the authority of banks to block accounts by PT Bank Mandiri Tbk in the Yogyakarta District Court Decision Number 112/Pdt.G/2022/PN.Yyk with the principle of legal protection for banking customers. The research method used is normative juridical research with a legislative approach and a case approach. The primary legal sources include Law No. 10 of 1998 concerning Banking, Law No. 8 of 1999 concerning Consumer Protection, Financial Services Authority Regulations concerning Consumer Protection in the Financial Services Sector, and Court Decisions. Secondary legal materials were obtained from literature, scientific journals, and opinions of banking law experts. The results of the study show that the authority of banks to block accounts can only be exercised if there is a valid legal basis and must be accompanied by the principles of transparency, proportionality, and accountability. This study concludes that PT Bank Mandiri Tbk is not in accordance with the principles of customer legal protection and incurs legal liability for the bank.
Co-Authors Alya Puspita Juliasari Dhiva Aurora Pramhesta Dharma Friska Nova Wijaya Siagian Luthy Yustika Muhamad Daud Hidayatulloh Salma Ayu Nurmala Wiraguna, Sidi Ahyar