PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI PEMINJAM DALAM LAYANAN APLIKASI PINJAMAN ONLINE (STUDI KASUS DI KOTA KUPANG)

Abstract

This research aims to find out how legal protection is for personal data in online loan services after the enactment of "Law Number 27 of 2022 concerning Personal Data Protection" and also find out what legal steps are taken by victims if there is misuse of personal data. by the lender. This research uses nomative-empirical research methods. This method combines normative legal elements which are then supported by data or empirical elements. The results of this research contain that in protecting personal data, the government has passed several new regulations that specifically protect a person's personal data. The law in question is "Law Number 27 of 2022 concerning Protection of Personal Data" or abbreviated as "PDP Law". The Financial Services Authority also regulates online loan services with "Financial Services Authority Regulation Number 10 /POJK.05/2022 concerning Information Technology-Based Joint Funding Services". These two laws guarantee the protection of borrowers' personal data. If there is misuse of personal data by the lender, legal steps can be taken, such as the borrower can report criminally to the police or can also report to the Financial Services Authority. Advice, be careful when using personal data and do not carelessly give this data to anyone so that it will not be misused.