Legal Protection For Victims Of Abuse Personal Data In Illegal Fintech (Online Loans) According To Law No. 19 Of 2016 About Information And Transactions

Abstract

This study aims to determine the forms of legal protection and settlement of criminal cases of misuse of personal data carried out by financial technology based loan services or fintech Peer to Peer Lending. This study uses normative juridical research methods using a library research approach. Sources of data obtained from literature and legislation in force. The statutory approach to Law Number 19 of 2016 concerning Information and Electronic Transactions, and Regulation of the Financial Services Authority Number 77 / POJK.01 / 2016 Regarding Information Technology Based Lending and Borrowing Services. The results of this study reveal that many people are victims of misuse of personal data when lending funds using illegal fintech services or do not have permission. This form of legal protection is provided for victims of misuse of personal data in the form of preventive legal protection and repressive legal protection based on the ITE Law and POJK to provide criminal sanctions against illegal fintech services if committing an act of criminal misuse of personal data.