Policy Implementation of Law No. 27 of 2022 on Online Loan Cases in Indonesia
DOI:
https://doi.org/10.37010/postulat.v2i2.1691Keywords:
fintech, online lending, personal data protectionAbstract
The implementation of Law No. 27 of 2022 on Personal Data Protection in Indonesia’s online lending services has presented new challenges and responsibilities for service providers. While this law provides a robust legal framework to protect consumers' personal data, its practical application remains problematic. Findings show that personal data breaches and unethical debt collection practices continue to occur, highlighting gaps in enforcement. In addition, many service providers still lack full compliance with the law due to insufficient understanding of their obligations, and consumers are often unaware of their data protection rights. The study also identifies the need for stricter supervision and cooperation between regulators, service providers, and other relevant stakeholders to ensure the law is applied effectively. Public education campaigns and consistent enforcement of penalties are essential to strengthen legal protections for consumers. This study recommends periodic evaluations of the law’s implementation, the development of comprehensive monitoring mechanisms, and the enhancement of technological resources to support better oversight of the online lending industry. Strengthening these efforts would contribute to a safer and more reliable fintech ecosystem in Indonesia.
References
Ardana, S. T., & Kornelis, Y. (2024). Penyalahgunaan Data Pribadi Pada Pinjaman Online di Indonesia: Analisis Perlindungan dan Sanksi Hukum. Legalite?: Jurnal Perundang Undangan Dan Hukum Pidana Islam, 9(1), 1–11. https://doi.org/10.32505/legalite.v9i1.8398
Kadek Julia Mahadewi. (2023). ANALISA YURIDIS PERLINDUNGAN HUKUM TERHADAP PENERIMA PINJAMAN ONLINE BERDASARKAN PERLINDUNGAN DATA PRIBAD. ANALISA YURIDIS PERLINDUNGAN HUKUM TERHADAP PENERIMA PINJAMAN ONLINE BERDASARKAN PERLINDUNGAN DATA PRIBAD.
Kusnadi, S. A., & Wijaya, A. U. (2021). PERLINDUNGAN HUKUM DATA PRIBADI SEBAGAI HAK PRIVASI (Vol. 2, Issue 1).
Kusno, A., Arifin, M. B., & Mulawarman, W. G. (2022). Pengungkapan Pemerasan dan Pengancaman pada Alat Bukti Kasus Pinjaman Online (Kajian Linguistik Forensik). Diglosia: Jurnal Kajian Bahasa, Sastra, Dan Pengajarannya, 5(3), 555–570. https://doi.org/10.30872/diglosia.v5i3.423
NOMOR 10 /POJK.05/2022. (n.d.).
NOMOR 77 /POJK.01/2016. (n.d.).
P Pardede, D. E. (2022). Perlindungan Data Pribadi Di Indonesia Dalam Mewujudkan Harmonisasi Hukum Perlindungan Privasi Dan Data Pribadi Dalam Era Digital (Studi Kasus: Industri Financial Technology (Fintech) Berbasis Peer To Peer Lending). Jurnal Hukum Adigama, 542–558. https://nasional.tempo.co/read/1501790/6-kasus-kebocoran-data-pribadi-di-Indonesia,
Pakpahan, E. F., Chandra, K., & Tanjaya, A. (2020). Urgensi Pengaturan Financial Technology Di Indonesia. Jurnal Darma Agung, 28(3), 444. https://doi.org/10.46930/ojsuda.v28i3.807
Salasa Anastasia, D. (2023). Urgensi Pembentukan Hukum Fintech Untuk Memberi Perlindungan Hukum Kepada Konsumen Dalam Pinjaman Online. Jurnal Hukum Dan HAM Wara Sains, 2(02), 136–151. https://doi.org/10.58812/jhhws.v2i02.227
Sofa laela. (2022). PERLINDUNGAN HUKUM BAGI PELAKU USAHA PENYELENGGARA FINTECH PEER TO PEER LENDING.
Sugangga, R., & Sentoso, E. H. (2020). Perlindungan Hukum Terhadap Pengguna Pinjaman Online (Pinjol) Ilegal. Justice Journal Of Law), 01, 47–61. https://journal.unpak.ac.id/index.php/pajoul/index
UU No 19 Tahun 2016. (2016).
UU No 27 Tahun 2022. (2022).
