Dewilna, Selvia Marsya (2023) Perlindungan Hukum Terhadap Data Pribadi Dalam Layanan Aplikasi Pinjaman Online Kredivo. Other thesis, Universitas Islam Riau.

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Abstract

In the era of digital economy innovation, people are trying to find new findings in the procurement of services for lending activities, which can be seen from the existence of money lending services on a digital basis which are considered to be able to build growth and the national economy. Information technology has had an impact on society, shaping types and opportunities. There are several financial services that use information technology or what is often claimed to be Financial Technology, which is shortened to fintech and is also known as financial technology. However, in providing loans to consumers, problems often occur which result in the spread of personal data. The formulation of the main problem of this research is how is the form of legal protection for personal data in the Kredivo online loan application service? and what legal remedies can be taken if there is a leak of personal data in the Kredivo online loan application service? The research method used in this study is to use empirical legal research methods with observational research methods, with data collection techniques, namely interviews. Judging from the nature of this research, it is included in descriptive analytical research, namely research that provides a detailed and clear description of the main problems of research. The results of the discussion of this research are forms of legal protection for personal data in the Kredivo Online Loan Application Service, namely preventive legal protection by providing legal certainty to consumers, which the OJK together with the associations and organizers of Fintech P2PL, which are currently registered, are preparing standard implementation mechanisms. Internal Dispute Resolution (IDR) then repressive legal protection in the provision of administrative sanctions to Fintech P2PL operators who disseminate consumer personal data as stipulated in Article 47 POJK Number 77 of 2016 from the start of the warning written, fines, restrictions on business activities, and revocation of permits. And the legal remedies that can be taken if there is a leak of Personal Data in the Kredivo Online Loan Application Service is by resolving disputes outside the court which can be done through alternative dispute resolution institutions or can submit their requests to the OJK to facilitate the settlement of consumer complaints, or dispute resolution through the courts.

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