Perlindungan Hukum Terhadap Konsumen atas Penyalahgunaan Data Pribadi Pada Aplikasi Financial Technology Peer to Peer Lending Ilegal di Indonesia
Authors: Suriyani Hani , Marbun Diva Yohana Margaretha , Rahma Nailla , Chrisanta Fiona , Sulasno Inas Zulfa 
Published: March 2024

Abstrak

Maraknya penggunaan peer-to-peer lending berbasis Fintech Illegal di Indonesia menimbulkan banyak pelanggaran terhadap perlindungan konsumen. Pada kenyataannya masih banyak masyarakat yang menggunakan peer-to-peer lending berbasis fintech illegal. Fintech illegal memiliki kemampuan dalam mempromosikan nama mereka dengan iming-iming pinjaman suku bunga rendah, pinjaman 1 jam cair, dan lainnya. Di sisi lain, Fintech ilegal seringkali juga melakukan penagihan dengan cara yang kasar hingga penyalahgunaan data pribadi yang dilakukan oleh penyelenggara fintech illegal tersebut. Penyalahgunaan data pribadi acap kali terjadi apabila konsumen tidak mampu membayar tagihan sehingga data konsumen disebarluaskan dengan maksud untuk menimbulkan itikad membayar konsumen serta seringkali mendapatkan ancaman-ancaman melalui whatsapp, sms, dan telepon. Dengan demikian, bagaimana bentuk perlindungan hukum bagi konsumen terhadap data pribadi yang disalahgunakan berbasis fintech illegal di Indonesia? Bagaimana regulasi-regulasi yang mengatur mengenai perlindungan data pribadi. Penelitian ini menggunakan metode yuridis normatif dengan menganalisa latar belakang dan permasalahan tersebut, dihubungkan dengan kerangka pemikiran hukum kualitatif. Berdasarkan penelitian ini, masih ditemukannya ketidakefektifan regulasi dengan masalah tersebut sehingga perlu adanya upaya perlindungan hukum yang jelas bagi konsumen atas penyalahgunaan data pribadi berbasis fintech.

Kata Kunci: Perlindungan Data Pribadi, Financial Technology, Peer to Peer Lending, Data Pribadi, Konsumen

Abstract

The widespread use of illegal Fintech-based peer-to-peer lending in Indonesia has led to many violations of consumer protection. In fact, there are still many people who use illegal fintech-based P2P lending. Illegal Fintech services have the ability to promote their name with the lure of low-interest loans, loans that are disbursed in 1 hour, and etc. On the other hand, illegal Fintech providers often also collects in a rude way, even to the point of misuse of personal data by the illegal fintech service providers. Misuse of personal data often occurs when consumers are unable to pay bills so that consumers data are disseminated with the intention to make consumers pay and often receive threats via WhatsApp, SMS, and phone calls. Therefore, what is the form of legal protection for consumers against misused personal data based on illegal fintech in Indonesia? How are the regulations governing the protection of personal data. This study uses a normative juridical method by analysing the background and problems, associated with a qualitative legal framework. Based on this research, regulations are still found to be ineffective with this problem so that there is a need for clear legal protection efforts for consumers for the misuse of fintech-based personal data.

Keywords: Personal Data Protection, Financial Technology, Peer to Peer Lending, Personal Data, Consumer