Legal Protection of Online Loan Consumers in the Perspective of Law Number 8/1999 on Consumer Protection and Law Number 27/2022 on Personal Data Protection

Yusuf Istanto; Zaky Ihsan Edy  Ramadhani; Siti Mufidhatur Rohmah

doi:10.53797//icccmjssh.v3i3.5.2024

Authors

Yusuf Istanto Muria Kudus University, Kudus, 59327 Central Java, Indonesia
Zaky Ihsan Edy Ramadhani Muria Kudus University, Kudus, 59327 Central Java, Indonesia
Siti Mufidhatur Rohmah Muria Kudus University, Kudus, 59327 Central Java, Indonesia

DOI:

https://doi.org/10.53797//icccmjssh.v3i3.5.2024

Keywords:

Fintech, consumer, personal data

Abstract

Financial technology, or Fintech, is a type of business that offers financial services through information technology. Its goal is to make financial product transactions more accessible to the public. Fintech includes digital financial services, such as online loan services, which provide a convenient transaction process from submission to disbursement without unnecessary complications. Fintech has gained popularity, particularly among millennials, due to its convenience. Fintech and digital platforms offer customers transactional convenience. However, this convenience can lead to problems such as the misuse of customers' personal data. Provisions that require online loan customers to provide personal data can make them vulnerable to debt collectors who may use intimidation tactics to share their personal information, leading to potential imprisonment or job loss. Fintech companies offering online loans may access the mobile phone data of their customers, including contact numbers listed as emergency contacts. This can lead to inconvenience for customers who may receive continuous calls from debt collectors without realizing that their emergency contact information has been shared. It is important for fintech companies to clearly communicate their use of customer data and ensure that customers are aware of how their information will be used. Law No. 8 of 1999 concerning Consumer Protection aims to provide protection to customers, but it does not adequately address the protection of personal data. Therefore, the government needs to adjust Financial Services Regulation (POJK) Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services to prevent and handle cases related to online loans, especially illegal ones. Additionally, Law No. 27 of 2022 concerning Personal Data Protection provides further provisions for personal data protection.

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