Reformasi hukum perlindungan data pribadi korban pinjaman online (perbandingan Uni Eropa dan Malaysia)

Authors

DOI:

https://doi.org/10.47679/ib.2022264

Keywords:

Reformasi Hukum, Perlindungan, Data Pribadi, Perbandingan Hukum, Sistem Hukum Malaysia, Uni Eropa

Abstract

Kurang eksplisitnya pengaturan tentang perlidungan data pribadi nasabah menyebabkan terancamnya keamanan para pengguna jasa fintech. Indonesia semestinya mempunyai regulasi mengenai fintech seperti di Uni Eropa dan Malaysia. Meskipun Malaysia mengatur mengenai fintech syariah bukan fintech konvensional tetapi tidak memiliki perbedaan yang signifikan dengan fintech konvensional. Tujuan dari penelitian ini adalah mengkaji bagaimana konsep pengaturan fintech di Uni Eropa dan juga Malaysia dalam upaya reformasi pengaturan perlindungan data pribadi korban pinjaman online di Indonesia. Penulisan artikel ini menggunakan pendekatan mikro, yakni dengan menganalisis konsep dan norma dari perlindungan bagi korban pinjaman online. Hasil penelitian mengetengahkan bahwa regulasi fintech yang diterapkan di Indonesia masih hanya sebatas mengatur sanksi administratif terhadap penyelenggara berupa peringatan tertulis, denda, pembatasan kegiatan usaha dan pencabutan izin. Sehingga perlu adanya legal reform terkiat fintech di Indonesia seperti yang diterapkan Uni Eropa dan Malaysia dengan membentuk lembaga pengawasan serta memberikan kewenangan yang sangat luas bagi OJK untuk mengatur dan mengawasi industri jasa keuangan online untuk bisa dimuat dalam aturan hukum setingkat undang-undang.

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Published

2022-06-26

How to Cite

Farhan, F., Hamdani, F., Astuti, N. L. V. P., Haekal Fiqry, H. A., & Aulia, M. R. (2022). Reformasi hukum perlindungan data pribadi korban pinjaman online (perbandingan Uni Eropa dan Malaysia). Indonesia Berdaya, 3(3), 567–576. https://doi.org/10.47679/ib.2022264

Issue

Vol. 3 No. 3: May-July 2022

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