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TANGGUNG JAWAB HUKUM PLATFORM FINTECH PER TO PEER LENDING TERHADAP PENYALAHGUNAAN DATA PRIBADI NASABAH BERDASARKAN UU NO. 27 TAHUN 2022 TENTANG PERLINDUNGAN DATA PRIBADI Rustam, Muhammad Rizal
IBLAM LAW REVIEW Vol. 5 No. 2 (2025): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v5i2.636

Abstract

Pesatnya pertumbuhan Financial Technology (Fintech) Peer-to-Peer (P2P) Lending di Indonesia diiringi maraknya praktik penyalahgunaan data pribadi nasabah untuk tujuan penagihan yang tidak manusiawi, menciptakan urgensi perlindungan hukum yang kuat. Penelitian ini bertujuan menganalisis kedudukan hukum platform P2P Lending sebagai Pengendali Data, mengidentifikasi bentuk tanggung jawab hukum (administratif, perdata, pidana) menurut Undang-Undang No. 27 Tahun 2022 tentang Pelindungan Data Pribadi (UU PDP), serta mengkaji tantangan penegakannya. Menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual, penelitian ini menganalisis bahan hukum primer dan sekunder secara kualitatif. Hasil penelitian menegaskan bahwa platform P2P Lending secara yuridis memenuhi kualifikasi sebagai Pengendali Data Pribadi, sehingga tunduk pada seluruh kewajiban dalam UU PDP. Konsekuensi dari penyalahgunaan data nasabah dapat berimplikasi pada sanksi berlapis, meliputi sanksi administratif berupa denda hingga 2% dari pendapatan tahunan, gugatan ganti rugi perdata atas kerugian materiil dan imateriil, serta ancaman pidana penjara hingga 5 tahun dan denda miliaran rupiah bagi pengurus maupun korporasinya. Efektivitas UU PDP bergantung pada sinergi penegakan hukum dan literasi digital masyarakat.
Evaluasi Implementasi UU No. 11 Tahun 2012 tentang Sistem Peradilan Pidana Anak dalam Kasus Psikotropika Herlambang, Arsyi Murdianto; Rustam, Muhammad Rizal
Decisio: Jurnal Ilmiah Hukum Vol 1 No 2 (2024): DECISIO
Publisher : LPPM Iblam School of Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/decisio.v1i2.18

Abstract

Children involved in psychotropic offenses require special attention in the criminal justice system due to their psychological and developmental vulnerability. The Indonesian government enacted Law No. 11 of 2012 on the Juvenile Criminal Justice System (SPPA) to emphasize diversion and restorative justice as primary approaches in handling juvenile offenders. However, the implementation of this law in psychotropic cases remains problematic due to legal inconsistencies, institutional limitations, and societal stigma. This study evaluates the effectiveness of SPPA in addressing juvenile psychotropic offenses and identifies the key challenges in its enforcement.This research employs a qualitative methodology with a normative juridical approach, focusing on regulatory analysis and legal norm interpretation. Data collection is conducted through an extensive literature review, incorporating primary and secondary legal sources to provide a comprehensive understanding of the law's practical application.The findings indicate that while the SPPA theoretically promotes a rehabilitative and restorative approach, its application in psychotropic offenses remains inconsistent. Legal constraints, including the lack of synchronization between the SPPA and its implementing regulations, have hindered the optimal execution of diversion. Institutional challenges, such as limited rehabilitation facilities and lack of trained professionals, exacerbate the issue, often leading to punitive measures against juvenile offenders. Moreover, strong social stigma further obstructs reintegration efforts, necessitating policy reform, legal harmonization, and enhanced community awareness to ensure effective juvenile justice implementation.