scholarly journals THE RISKS OF PERSONAL DATA THEFT IN FINTECH-BASED ONLINE LOAN APPLICATIONS DUE TO THE ABSENCE OF LAW IN INDONESIA

JURISDICTIE ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. 163-181
Author(s):  
Dwi Nugrahayu Devianti ◽  
Prija Djatmika ◽  
Sukarmi Sukarmi
Keyword(s):  
Data Protection ◽  
Personal Data ◽  
Legal Issues ◽  
Legal Research ◽  
Personal Data Protection ◽  
Data Theft ◽  
The Many ◽  
Financial Technology

The online loan via financial technology (fintech) is currently a new buzz in Indonesian society. Its facilities and ease in proposing the loan are very much attracting. However, this online loan practice often raises legal issues; one of them is personal data misuse. This article analyzes the usage of other people’s personal data in fintech services. This is a doctrinal legal research with statute approach. The results reveal that personal data protection has yet firmly ruled in legislation. This proves that privacy is not an urgent matter to safeguard. It then implies to the many cases on personal data theft in online loan. The operators of fintech services are responsible to protect customers’ personal data. Those found guilty to misuse the personal data will be subject to criminal sanction.Pinjaman online melalui teknologi finansial menjadi trend baru masyarakat Indonesia. Berbagai fasilitas dan kemudahan dalam pengajuan pinjaman menjadi daya tarik tersendiri. Namun, praktik pinjaman online sering menimbulkan persoalan hukum, salah satunya adalah penyalahgunaan data pribadi. Artikel ini bertujuan menganalisis penggunaan data pribadi orang lain dalam layanan finansial teknologi. Artikel ini berasal dari penelitian hukum doctrinal dengan pendekatan peraturan perundang-undangan. Hasil penelitian ini menunjukkan bahwa perlindungan data pribadi belum diatur secara tegas dalam peraturan perundang-undangan. Kondisi ini menunjukkan bahwa privasi bukan persoalan yang urgen untuk dilindungi. Hal ini berimplikasi terhadap maraknya pencurian data pribadi dalam pinjaman online. Penyelenggara jasa layanan finansial teknologi memiliki tanggung jawab untuk melindungi data pribadi nasabah. Penyelenggara yang terbukti menyalahgunakan data pribadi dapat dikenai sanksi pidana.

scholarly journals PERLINDUNGAN HUKUM TERHADAP DATA PRIBADI DALAM INDUSTRI FINANCIAL TECHNOLOGY

2020 ◽  
Vol 6 (2) ◽  
pp. 298-323
Author(s):  
Elvira Fitriyani Pakpahan ◽  
Lionel Ricky Chandra ◽  
Ananta Aria Dewa
Keyword(s):  
Data Protection ◽  
Personal Data ◽  
Legal Protection ◽  
Peer To Peer ◽  
Personal Data Protection ◽  
Peer Lending ◽  
The Government ◽  
Financial Technology ◽  
Penal Sanction

It came to the author’s attention that personal data collected or appropriated in the course of FinTech industry especially those that related to FinTech Peer to Peer Lending services are prone to misuse. The author, after perusing the prevailing laws regarding FinTech industry, concludes that a well-functioning system of rules has been put in place to regulate this industry. However, what is lacking is sufficient guarantee or protection of consumer’s personal data.  Available is the option to use a weak (administrative, civil or penal) sanction against alleged misuse or misappropriation of personal data.  To enhance better legal protection, the author suggests, that the government issue a special law on personal data protection, including establishing a a special governmental supervisory body to that purpose.

scholarly journals Personal Data Protection in Indonesia: Legal Perspective

2020 ◽  
Vol 7 (7) ◽  
pp. 183
Author(s):  
Andriyanto Adhi Nugroho ◽  
Atik Winanti ◽  
Surahmad Surahmad
Keyword(s):  
Data Protection ◽  
Personal Data ◽  
Third Party ◽  
Data Breaches ◽  
Personal Data Protection ◽  
Private Data ◽  
Legal Perspective ◽  
Consumer Data ◽  
Financial Technology

The arrangement of personal data protection in national law is stipulated explicitly in the regulation of the Minister of the Ministry of communication and  Informasi  No. 20 of 2016 on the protection of personal data. In Indonesia, there are no rules that accommodate the protection of personal data on financial technology. That can be hazardous when the economic response of technology is not limited to its use. The case of personal data is not contained in the case of a Such hazard that may arise. The case from the theft of personal data, damage to the system that may allow the occurrence of data breaches, misuse of personal data that has been the business ruled itself, or other parties who may access personal consumer data (such as government). The need to set this up is important because private data is a person's privacy right. Still, it can fundamentally be economically valuable for a third party who is about to take advantage of it.

PELAKSANAAN HARMONISASI RANCANGAN UNDANG-UNDANG PERLINDUNGAN DATA PRIBADI (RUU PDP)

2020 ◽  
Vol 8 (1) ◽  
pp. 117
Author(s):  
Padma Widyantari ◽  
Adi Sulistiyono
Keyword(s):  
Data Protection ◽  
Personal Data ◽  
Research Approach ◽  
Legal Research ◽  
Know How ◽  
Personal Data Protection ◽  
Harmonization Process ◽  
Statutory Regulation ◽  
Preparation Techniques ◽  
Laws And Regulations

<p>Abstract<br />Establishment of legislation is the process of making legislation basically starting from planning, preparation, techniques of preparation, formulation, discussion, endorsement, enactment, and dissemination. Among the series of processes above, there is a process that is not explicitly mentioned but has a very important role, namely the harmonization process. Harmonization is one of a series of processes for the formation of legislation which is an effort to harmonize a statutory regulation with other laws and regulations, both higher, equal and lower, and other matters outside of legislation. laws, so that they are arranged systematically, not conflicting or overlapping. The problem in this study is how to harmonize the Personal Data Protection Bill. The method of this study uses a descriptive normative legal research approach with a statute approach . The primary legal sources are laws, books, journals, while the secondary legal sources are the results of interviews with related parties. The results of this study are expected to allow readers to know how to implement harmonization of legislation in general, and the implementation of harmonization of the Personal Data Protection Bill in particular.<br />Keywords: Harmonization; Legislation; Personal Data Protection Bill.</p><p>Abstrak<br />Pembentukan peraturan perundang-undangan adalah proses pembuatan peraturan perundangundangan pada  dasarnya dimulai dari perencanaan,persiapan,  teknik penyusunan,perumusan,pembahasan, pengesahan,<br />pengundangan, dan penyebarluasan. Di antara rangkaian proses di atas ada proses yang tidak disebutkan secara tegas tetapi mempunyai peran yang sangat penting, yaitu proses harmonisasi.Harmonisasi merupakan<br />salah satu dari rangkaian proses pembentukan peraturan perundang-undangan yang merupakan upaya untuk menyelaraskan suatu peraturan perundangundangan dengan peraturan perundang-undangan lain,  baik  yang  lebih tinggi,  sederajat, maupun yang  lebih rendah,  dan  hal-hal lain di  luar  peraturan perundang-undangan, sehingga tersusun secara  sistematis, tidak  saling  bertentangan atau tumpang tindih (overlaping). Permasalahan dalam kajian ini adalah bagaimana pelaksanaan harmonisasi Rancangan Undang-Undang Perlindungan  Data Pribadi Metode kajian ini menggunakan metode pendekatan penelitian hukum normatif deskriptif<br />dengan pendekatan perundang-undangan (statute approac). Adapun sumber hukum primernya adalah undang-undang, buku, jurnal, sedangkan sumber hukum sekundernya adalah hasil wawancara pihak terkait. Hasil kajian ini diharapkan agar pembaca mengetahui bagaimana pelaksanaan harmonisasi peraturan perundang-undangan pada umumnya, dan pelaksanaan harmonisasi Rancangan UndangUndang Perlindungan Data Pribadi pada khususnya.<br />Kata Kunci: Harmonisasi; Peraturan Perundang-Undangan; RUU Perlindungan Data Pribadi.</p>

Importance of Personal Data Protection Law for Commercial Air Transport

2017 ◽  
Vol 2017 (1) ◽  
pp. 35-44
Author(s):  
Dawid Zadura
Keyword(s):  
Data Protection ◽  
Public Information ◽  
Personal Data ◽  
Air Transport ◽  
Civil Aviation ◽  
Aviation Industry ◽  
Personal Data Protection ◽  
It Systems ◽  
Data Protection Law ◽  
The Law

Abstract In the review below the author presents a general overview of the selected contemporary legal issues related to the present growth of the aviation industry and the development of aviation technologies. The review is focused on the questions at the intersection of aviation law and personal data protection law. Massive processing of passenger data (Passenger Name Record, PNR) in IT systems is a daily activity for the contemporary aviation industry. Simultaneously, since the mid- 1990s we can observe the rapid growth of personal data protection law as a very new branch of the law. The importance of this new branch of the law for the aviation industry is however still questionable and unclear. This article includes the summary of the author’s own research conducted between 2011 and 2017, in particular his audits in LOT Polish Airlines (June 2011-April 2013) and Lublin Airport (July - September 2013) and the author’s analyses of public information shared by International Civil Aviation Organization (ICAO), International Air Transport Association (IATA), Association of European Airlines (AEA), Civil Aviation Authority (ULC) and (GIODO). The purpose of the author’s research was to determine the applicability of the implementation of technical and organizational measures established by personal data protection law in aviation industry entities.

Problems of establishment and development of the Institution of personal data protection in the Russian Federation: historical-legal aspect

2020 ◽  
pp. 28-35
Author(s):  
Yanis Arturovich Sekste ◽  
Anna Sergeevna Markevich
Keyword(s):  
Russian Federation ◽  
Data Protection ◽  
Information Technologies ◽  
Legal Aspect ◽  
Personal Data ◽  
Legal Regulation ◽  
Private Life ◽  
Russian Society ◽  
Personal Data Protection ◽  
The Russian Federation

The subject of this research is the problems emerging in the process of establishment and development of the Institution of personal data protection in the Russian Federation. Special attention is turned to the comparison of Soviet and Western models of protection of private life and personal data. The authors used interdisciplinary approach, as comprehensive and coherent understanding of socio-legal institution of personal data protection in the Russian Federation is only possible in inseparable connection with examination of peculiarities of the key historical stages in legal regulation of private life of the citizen. After dissolution of the Soviet political and legal system, the primary task of Russian law consisted in development and legal formalization of the institution of protection of human and civil rights and freedoms, first and foremost by means of restricting invasion of privacy by the state and enjoyment of personal freedom. It is concluded that the peculiarities of development of the new Russian political and legal model significantly impacted the formation of the institution of personal data protection in the Russian Federation. The authors believe that the Russian legislator and competent government branches are not always capable to manage the entire information flow of personal data; therefore, one of the priority tasks in modern Russian society is the permanent analysis and constant monitoring of the development of information technologies.

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