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All Journal Journal of Law, Poliitic and Humanities Jurnal Ilmu Multidisplin
Cen, Jesslyn Janet
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Legal Liability of Fintech Operators for Personal Data Misuse in the Context of Unlawful Acts: Analysis of the Case of NS Versus AdaKami Cen, Jesslyn Janet; Yulio, Pietro Grassio Eko; Gunawan, Theresia Aurellia; Gunawan, Telly
Journal of Law, Politic and Humanities Vol. 6 No. 1 (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.v6i1.2654

Abstract

The rapid development of financial technology (fintech) in Indonesia creates opportunities for financial inclusion while simultaneously raising concerns regarding consumer data protection. One prominent case is the dispute between NS and AdaKami, which demonstrates alleged misuse of personal data by debt collectors in debt collection practices. This research aims to analyze the fulfillment of the elements of tort (perbuatan melawan hukum/PMH) as stipulated in Article 1365 of the Indonesian Civil Code and to assess the scope of legal liability borne by fintech providers as data controllers. The study employs a normative juridical method with statutory and conceptual approaches, supported by a case study analysis. The findings indicate that all elements of PMH are fulfilled, including the existence of unlawful acts contrary to the Personal Data Protection Law (PDP Law), the Information and Electronic Transactions Law (ITE Law), and prevailing moral standards; the presence of fault in the form of intentional misconduct (dolus) by debt collectors and negligence (culpa in custodiendo) by AdaKami in supervising third parties; the occurrence of material and immaterial losses; and a causal relationship between the act and the harm suffered by the consumer. These findings affirm that fintech providers are not only contractually liable but also delictually liable through the application of strict liability in safeguarding personal data. Nevertheless, although the legal framework is already established through the Civil Code and the PDP Law, its implementation remains ineffective due to weak regulatory oversight and the heavy burden of proof imposed on consumers. Accordingly, this research underscores the necessity of strengthening consumer protection in fintech through strict liability enforcement, enhanced supervisory mechanisms, and the establishment of accessible and consumer-oriented dispute resolution systems
Legal Liability of Fintech Operators for Personal Data Misuse in the Context of Unlawful Acts: Analysis of the Case of NS Versus AdaKami Cen, Jesslyn Janet; Yulio, Pietro Grassio Eko; Gunawan, Theresia Aurellia; Gunawan, Telly
Journal of Law, Politic and Humanities Vol. 6 No. 1 (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.v6i1.2654

Abstract

The rapid development of financial technology (fintech) in Indonesia creates opportunities for financial inclusion while simultaneously raising concerns regarding consumer data protection. One prominent case is the dispute between NS and AdaKami, which demonstrates alleged misuse of personal data by debt collectors in debt collection practices. This research aims to analyze the fulfillment of the elements of tort (perbuatan melawan hukum/PMH) as stipulated in Article 1365 of the Indonesian Civil Code and to assess the scope of legal liability borne by fintech providers as data controllers. The study employs a normative juridical method with statutory and conceptual approaches, supported by a case study analysis. The findings indicate that all elements of PMH are fulfilled, including the existence of unlawful acts contrary to the Personal Data Protection Law (PDP Law), the Information and Electronic Transactions Law (ITE Law), and prevailing moral standards; the presence of fault in the form of intentional misconduct (dolus) by debt collectors and negligence (culpa in custodiendo) by AdaKami in supervising third parties; the occurrence of material and immaterial losses; and a causal relationship between the act and the harm suffered by the consumer. These findings affirm that fintech providers are not only contractually liable but also delictually liable through the application of strict liability in safeguarding personal data. Nevertheless, although the legal framework is already established through the Civil Code and the PDP Law, its implementation remains ineffective due to weak regulatory oversight and the heavy burden of proof imposed on consumers. Accordingly, this research underscores the necessity of strengthening consumer protection in fintech through strict liability enforcement, enhanced supervisory mechanisms, and the establishment of accessible and consumer-oriented dispute resolution systems
Penerapan EPR oleh PT AQUA dalam Pengelolaan Sampah Botol Plastik Shalmont, Jerry; Cen, Jesslyn Janet; Halim, Kathleen Joan; Lathifah; Realita, Sandrina; Gunawan, Theresia Aurellia
Jurnal Ilmu Multidisiplin Vol. 4 No. 5 (2025): Jurnal Ilmu Multidisplin (Desember 2025 - Januari 2026)
Publisher : Green Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jim.v4i5.1570

Abstract

Penelitian ini berjudul Penerapan EPR oleh PT AQUA dalam pengelolaan sampah botol plastik. Penelitian ini bertujuan untuk mengkaji tanggung jawab hukum PT Tirta Investama (AQUA) dalam penerapan prinsip Extended Producer Responsibility (EPR) terhadap sampah botol plastik yang dihasilkan. Dengan menggunakan metode penelitian hukum normatif dan pendekatan kasus, penelitian ini menelusuri kesesuaian antara pelaksanaan program keberlanjutan AQUA dengan ketentuan hukum yang berlaku, termasuk UU Pengelolaan Sampah, peraturan pelaksananya, sampai dengan peraturan daerah. Temuan penelitian menunjukkan bahwa meskipun AQUA telah menjalankan sejumlah inisiatif pengelolaan sampah, upaya tersebut masih belum sepenuhnya memenuhi standar EPR yang mengikat secara hukum. Audit lingkungan dari Sungai Watch bahkan menunjukkan bahwa AQUA merupakan penyumbang terbesar sampah botol plastik di wilayah Bali dan Jawa Timur. Fakta ini menguatkan pentingnya transparansi penerapan prinsip EPR secara lebih ketat melalui pengawasan serta pemberian sanksi administratif terhadap pelanggaran. Penelitian ini menegaskan bahwa pemenuhan prinsip EPR harus didorong melalui implementasi terukur berbasis data.
Co-Authors Gunawan, Telly Gunawan, Theresia Aurellia Halim, Kathleen Joan Lathifah Realita, Sandrina Shalmont, Jerry Yulio, Pietro Grassio Eko