scholarly journals PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI DALAM INDUSTRI FINANCIAL TECHNOLOGY

2020 ◽  
Vol 6 (2) ◽  
pp. 298-323
Author(s):  
Elvira Fitriyani Pakpahan ◽  
Lionel Ricky Chandra ◽  
Ananta Aria Dewa

It came to the author’s attention that personal data collected or appropriated in the course of FinTech industry especially those that related to FinTech Peer to Peer Lending services are prone to misuse. The author, after perusing the prevailing laws regarding FinTech industry, concludes that a well-functioning system of rules has been put in place to regulate this industry. However, what is lacking is sufficient guarantee or protection of consumer’s personal data.  Available is the option to use a weak (administrative, civil or penal) sanction against alleged misuse or misappropriation of personal data.  To enhance better legal protection, the author suggests, that the government issue a special law on personal data protection, including establishing a a special governmental supervisory body to that purpose.

2019 ◽  
Vol 06 (03) ◽  
pp. 511-532
Author(s):  
I Made Darma ◽  
Putu Jadnya

The development of digital economy has led people to adapt to the use of services in information-technology-based loan or peer-to-peer lending. In early 2019, the V-loan case attracted attention of many people. The case has made debtors depressed, removed from their own houses, etc. Some debtors even were fired from works. In a case, the loan provider misused debtors’ personal data in debtors’ cell phones. The loan provider created WhatsApp groups containing all debtors’ contacts, including the debtors. Then, they uploaded pornographic content. Their objective was to defame debtors. Parties involved in loan agreement should adhere rules and arrange for reasonable loan. To discuss this matter, it is necessary to review agreement based on the Law on Electronic Information and Transaction and the Regulation of Financial Services Authority number 77 of 2016. The study focused on legal protection of parties involving in P2P lending activities. The credit agreement of peer-to-peer lending is considered valid if it is based on Article 47 of the Government Regulation number 82 of 2016. Standard contract must be based on Article 20 of the Regulation of Financial Services Authority number 77 of 2016. Electronic signature is also required based on Article 41 of the Regulation. In addition, the application of information technology and electronic transactions must be carried out based on the principles of legal certainty, benefits, good faith, and the freedom of choice of technology based on Article 3 of Law Number 19 of 2016. Principles and objectives are fundamental elements of legal certainty. Therefore, organizer and the government must protect user of peer-to-peer lending.


2021 ◽  
Vol 2 (1) ◽  
pp. 59-72
Author(s):  
Arfi Azhari

Legal protection for consumers must be considered because the existence of consumers is prone to fraud. Personal consumer data protect one form of legal protection for consumers in conducting transactions with business actors, both domestic and foreign transactions. With the times at this time, consumer data that exists on business actors, both in the form of state-owned enterprises or business actors in the private form, is a lot of consumer data that these business actors trade and this consumer data is widely known. The problem studied is how the consumer’s legal protection of personal data on digital platforms. Research methods are using normative research methods, namely by explaining the issues and views of consumer legal protection of personal data on existing legal regulatory, digital platforms. The results illustrate that for now, consumer legal protection of personal data on digital platforms still refers to several laws and regulations in Indonesia. The government is also preparing a Draft Law on Personal Data Protection, which will become lex specialis. For the protection of personal consumer data in Indonesia related to personal data on digital platforms.


Author(s):  
Johan Kuswara ◽  

Research This study aims to review and analyze the legal protection of loan recipients in the implementation of financial technology. Changes in the financial sector today are fintech (financial technology), one of which is peer to peer lending. The proliferation of peer-to-peer lending-based fintech in Indonesia is often a problem, although on the other hand it is also an answer for people who need funding quickly and easily. Whereas against the rise of online lending (peer to peer lending), the government in this case is the OJK (Financial Services Authority) has taken various ways to protect the community and foster a good business climate, but the problems faced by the community still occur. The problem in this research is what form of legal protection is obtained by recipients of fintech peer to peer lending-based money based on the provisions of applicable laws and regulations? and how to increase the government's role in the implementation and development of fintech-based peer to peer lending services. The research method used in this research is normative juridical. The implementation of financial technology based on peer-to-peer lending has not gone well.


Author(s):  
Agnese Reine-Vītiņa

Mūsdienās tiesības uz privāto dzīvi nepieciešamas ikvienā demokrātiskā sabiedrībā, un šo tiesību iekļaušana konstitūcijā juridiski garantē fiziskas personas rīcības brīvību un vienlaikus arī citu – valsts pamatlikumā noteikto – cilvēka tiesību īstenošanu [5]. Personas datu aizsardzības institūts tika izveidots, izpratnes par tiesību uz personas privātās dzīves neaizskaramību saturu paplašinot 20. gadsimta 70. gados, kad vairāku Eiropas valstu valdības uzsāka informācijas apstrādes projektus, piemēram, tautas skaitīšanu u. c. Informācijas tehnoloģiju attīstība ļāva arvien vairāk informācijas par personām glabāt un apstrādāt elektroniski. Viena no tiesību problēmām bija informācijas vākšana par fizisku personu un tiesību uz privātās dzīves neaizskaramību ievērošana. Lai nodrošinātu privātās dzīves aizsardzību, atsevišķas Eiropas valstis pēc savas iniciatīvas pieņēma likumus par datu aizsardzību. Pirmie likumi par personas datu aizsardzību Eiropā tika pieņemti Vācijas Federatīvajā Republikā, tad Zviedrijā (1973), Norvēģijā (1978) un citur [8, 10]. Ne visas valstis pieņēma likumus par datu aizsardzību vienlaikus, tāpēc Eiropas Padome nolēma izstrādāt konvenciju, lai unificētu datu aizsardzības noteikumus un principus. Nowadays, the right to privacy is indispensable in every democratic society and inclusion of such rights in the constitution, guarantees legally freedom of action of a natural person and, simultaneously, implementation of other human rights established in the fundamental law of the state. The institute of personal data protection was established by expanding the understanding of the content of the right to privacy in the 70’s of the 19th century, when the government of several European countries initiated information processing projects, such as population census etc. For the development of information technology, more and more information on persons was kept and processed in electronic form. One of the legal problems was gathering of information on natural persons and the right to privacy. In order to ensure the protection of privacy, separate European countries, on their own initiative, established a law on data protection. The first laws on the protection of personal data in Europe were established in the Federal Republic of Germany, then in Sweden (1973), Norway (1978) and elsewhere. Not all countries adopted laws on data protection at the same time, so the Council of Europe decided to elaborate a convention to unify data protection rules and principles.


2021 ◽  
Vol 14 (2) ◽  
pp. 139-148
Author(s):  
Mriya Afifah Furqania ◽  
Tomy Michael

This study aims to analyze the Indonesian laws and regulations concerning the protection of intimate video makers. The research was conducted by analyzing the Pornography Law, the Information and Electronic Transaction Law, the Government Regulation on the Implementation of Electronic Transaction Systems, and the Regulation of the Minister of Information Communication on Personal Data Protection. This research found that data/documents that are made for oneself and for their own interests which are not prohibited by law and included to one of the privacy rights that must be protected by every human being and by the state. The making of this intimate video is included in the privacy rights to enjoy life and should not be contested. Activities contained in the video can range from holding hands, hugging, kissing to having sex with consent. Therefore, if there are those who oppose rights such as acquisition and distribution without consent, the owner of the personal data can file a lawsuit for damages and have a right to erase their electronic documents.Keywords: intimate video; protection; sexual lawAbstrakPenelitian ini bertujuan untuk menganalisis peraturan perundang-undangan Indonesia yang memuat tentang perlindungan terhadap pembuat video mesra. Penelitian dilakukan dengan menganalisis Undang-Undang Pornografi, Undang-Undang Informasi dan Transaksi Elektronik, Peraturan Pemerintah tentang Penyelenggaraan Sistem Transaksi Elektronik serta Peraturan Menteri Komunikasi dan Informasi tentang Perlindungan Data Pribadi. Penelitian ini menemukan bahwa data/dokumen yang dibuat untuk diri sendiri dan kepentingan sendiri bukanlah hal yang dilarang oleh undang-undang dan justru harus dilindungi baik oleh tiap manusia maupun negara. Pembuatan video mesra ini termasuk dalam hak pribadi untuk menikmati hidup dan tidak boleh diganggu gugat. Aktivitas yang termuat dalam video tersebut bisa dari bergandengan tangan, berpelukan, berciuman hingga berhubungan badan yang dilakukan atas persetujuan. Oleh sebab itu jika terdapat pelanggaran terhadap hak seperti perolehan dan penyebarluasan tanpa persetujuan, pemilik data pribadi dapat mengajukan gugatan kerugian dan mengajukan permohonan untuk menghapus data tersebut.


JURISDICTIE ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 163-181
Author(s):  
Dwi Nugrahayu Devianti ◽  
Prija Djatmika ◽  
Sukarmi Sukarmi

The online loan via financial technology (fintech) is currently a new buzz in Indonesian society. Its facilities and ease in proposing the loan are very much attracting. However, this online loan practice often raises legal issues; one of them is personal data misuse. This article analyzes the usage of other people’s personal data in fintech services. This is a doctrinal legal research with statute approach. The results reveal that personal data protection has yet firmly ruled in legislation. This proves that privacy is not an urgent matter to safeguard. It then implies to the many cases on personal data theft in online loan. The operators of fintech services are responsible to protect customers’ personal data. Those found guilty to misuse the personal data will be subject to criminal sanction.Pinjaman online melalui teknologi finansial menjadi trend baru masyarakat Indonesia. Berbagai fasilitas dan kemudahan dalam pengajuan pinjaman menjadi daya tarik tersendiri. Namun, praktik pinjaman online sering menimbulkan persoalan hukum, salah satunya adalah penyalahgunaan data pribadi. Artikel ini bertujuan menganalisis penggunaan data pribadi orang lain dalam layanan finansial teknologi. Artikel ini berasal dari penelitian hukum doctrinal dengan pendekatan peraturan perundang-undangan. Hasil penelitian ini menunjukkan bahwa perlindungan data pribadi belum diatur secara tegas dalam peraturan perundang-undangan. Kondisi ini menunjukkan bahwa privasi bukan persoalan yang urgen untuk dilindungi. Hal ini berimplikasi terhadap maraknya pencurian data pribadi dalam pinjaman online. Penyelenggara jasa layanan finansial teknologi memiliki tanggung jawab untuk melindungi data pribadi nasabah. Penyelenggara yang terbukti menyalahgunakan data pribadi dapat dikenai sanksi pidana.


Author(s):  
Ayup Suran Ningsih

In fulfilling everyday needs, certainly needing equipment and supporting equipment in practice. However, due to limited capital, the background of the birth of legal entities from the government to the private sector offered a program to lend money which was then used for capital. In the process, this loan is often called a credit agreement in which the minimum requirement is a guarantee that will later be used as a collateral object. The guarantee acts as an addition (accesoir) to the main agreement which is to convince the creditor of the assets of the debtor and their ability to make payments later. Because not everyone has sufficient assets to make a loan, a guarantee institution arises that provides a loan program without using collateral. In connection with the development of technology, a new program was born, namely peer to peer lending based on financial technology. Ease in requirements and track record written in a system is the attraction of this type of loan, but because it is regulated by the system, there can be a mismatch of what is promised.


Lentera Hukum ◽  
2021 ◽  
Vol 8 (1) ◽  
pp. 23
Author(s):  
Citi Rahmati Serfiyani ◽  
Cita Yustisia Serfiyani ◽  
Iswi Hariyani ◽  
Devina Tharifah Arsari

Copyright protection of digital products in an open-source system has led to the emergence of copyleft against copyright. Copyleft licenses in open-source serve to impose limits on creations to protect creators' moral rights. At the same time, personal data protection is one part of personal rights amidst the advent of information technology. The development of copyleft products and licenses that usually take place online can potentially lead to violations that harm application developers’ personal data. This paper aimed to characterize copyleft as an antithesis of copyright and analyze legal protection on the open-source application developers' personal data. Using legal research, this paper showed that open-source licenses could consist of two categories. First, non-copyleft licenses in the form of permissive licenses, included in the software under it and are subject to copyright. Second, the copyleft license, which required licenses to modify and distribute copyleft products. This open-source license adopted a form of a standard contract and personal data protection in copyleft products through open-source sites were using a preventive and repressive way. This paper recommended a copyleft-based legal protection mechanism and creators' data by considering the comparative aspects of the copyleft and copyright concepts' characteristics to respect moral rights. KEYWORDS: Personal Data Protection, Indonesia’s Copyright Law, Copyleft License.


2021 ◽  
Vol 4 (1) ◽  
pp. 25-37
Author(s):  
Zaid Zaid

This article aims to determine the role and responsibility of the government in protecting personal data of all individuals, studied through normative research methods with a statutory and conceptual approach. The results of this study ultimately outlines what must be done by the government by forming law on personal data protection which guarantees its determination, implementation and supervision, forming its Sector Supervisory and Regulatory Agency, forming the Attorney General's Office to prepare a court that is responsive in handling personal data privacy violations.


Jurnal Hukum ◽  
2021 ◽  
Vol 37 (1) ◽  
pp. 1
Author(s):  
Giosita Kumalaratri ◽  
Yunanto Yunanto

The development of information technology in the era of globalization makes it easier for people to carry out their daily activities, apart from socializing, it can also be a channel for work. Behind the simplicity coveted by technological developments opens up loopholes related to personal data that is easily misused. Indonesia does not yet have specific laws governing the protection of personal data as a whole. So that the author will examine the urgency of the draft personal data law in Indonesia, personal data protection schemes, to the impact of the implementation of the personal data protection bill. This study uses a normative juridical research method. The results of the study point to a privacy rights protection scheme in which everyone has the right to publish personal data or the right not to publish personal data to the public. The weakness of personal data protection regulations in Indonesia that have not been specifically regulated increases the potential for crimes against the right to privacy, but the drafting of the Personal Data Protection Bill brings fresh air not only to the public but to the government sector to the international business environment.


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