HANDLING THE CRIME OF THREATS AND MISUSE OF PERSONAL DATA IN ILLEGAL ONLINE LOAN CASES
llegal and Legal Online Loans in Positive Law
DOI:
https://doi.org/10.47701/ijlle.v5i2.4024Keywords:
crime, online loans, personal dataAbstract
Online loans are loans that can be applied for via an online application. This application is the result of technological innovation in the financial sector or what is known as financial technology (fintech), so that borrowing money becomes faster, easier and the process is simple. The emergence of various loan companies has attracted the interest of many people with the programs and conveniences they offer. However, behind its convenience, pinjol also has a dark side. Technological developments are often misused by irresponsible individuals. This results in problems for consumers, such as; Offering high interest rates and non-transparent loan schemes, unethical and intimidating billing, personal data being misused and getting trapped in mounting debts. Pinjol offers convenience and benefits, but it needs to be used carefully and intelligently. The purpose of writing this journal is to find out the legal handling of illegal online loans, the legal handling of criminal acts of extortion and misuse of personal data according to Indonesian law, and the procedures regulated in Indonesian law regarding how to collect online loan payments. The research method used is a normative juridical approach, which focuses on the use of secondary data. To protect personal data from theft by irresponsible parties, the Personal Data Protection Law imposes harsh sanctions, including criminal penalties, to provide a deterrent effect on perpetrators so they do not repeat their actions. The series of articles that regulate these sanctions can be found in Law No. 27 of 2022 concerning Theft of Personal Data, starting from Article 67 to Article 69.
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