Proceedings of the 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021)

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Analysis of Legal Protection of Borrower’s Personal Data in Online Loan Application Services (A Case Study of PT. BFI)

Authors
Ardyanus Hartony Laos1, Ariawan Gunadi2, *
1Faculty of Law, Trisakti University, Jakarta, Indonesia
2Faculty of Law, Universitas Tarumanagara, Jakarta, Indonesia
*Corresponding author. Email: ariawang@fh.untar.ac.id
Corresponding Author
Ariawan Gunadi
Available Online 21 April 2022.
DOI
10.2991/assehr.k.220404.142How to use a DOI?
Keywords
legal protection; personal data; online loan
Abstract

In online loan application services (Fintech, many people have complained about problems regarding the dissemination of personal data carried out by online loan organizers (Fintech Companies) without confirmation and permission of the data owner. In this regard, it is important to study the legal protection of borrowers’ personal data in online loan application services, and sanctions for breaches of personal data. The purpose of this thesis research is to examine the legal protection of the borrower’s personal data in online loan application services. The method that will be used in writing this thesis is a normative research method with a statutory and a facts approach. The study result shows that legal protection and sanctions for breaches of personal data are regulated in Law no. 19 of 2016 and its amendments regarding Information and Electronic Transactions, and in the Financial Services Authority Regulation No. 77 / POJK.01 / 2016 concerning Information Technology-Based Lending and Borrowing Services, which is affirmed in Article 26, stated that: “The organizer is responsible for maintaining the confidentiality, integrity and availability of user’s personal data and in its use must obtain approval from the owner of the personal data unless otherwise stipulated. by the provisions of laws and regulations.The integrity and availability of user’s personal data and in its use must obtain approval from the owner of the personal data unless otherwise specified. by the provisions of laws and regulations ”. integrity and availability of user’s personal data and in its use must obtain approval from the owner of the personal data unless otherwise specified. by the provisions of laws and regulations.

Copyright
© 2022 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article distributed under the CC BY-NC 4.0 license.

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Volume Title
Proceedings of the 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
21 April 2022
ISBN
10.2991/assehr.k.220404.142
ISSN
2352-5398
DOI
10.2991/assehr.k.220404.142How to use a DOI?
Copyright
© 2022 The Authors. Published by Atlantis Press SARL.
Open Access
This is an open access article distributed under the CC BY-NC 4.0 license.

Cite this article

risenwbib
TY  - CONF
AU  - Ardyanus Hartony Laos
AU  - Ariawan Gunadi
PY  - 2022
DA  - 2022/04/21
TI  - Analysis of Legal Protection of Borrower’s Personal Data in Online Loan Application Services (A Case Study of PT. BFI)
BT  - Proceedings of the 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021)
PB  - Atlantis Press
SP  - 893
EP  - 900
SN  - 2352-5398
UR  - https://doi.org/10.2991/assehr.k.220404.142
DO  - 10.2991/assehr.k.220404.142
ID  - Laos2022
ER  -