ANNISA RAHMATIA

PERLINDUNGAN HUKUM ATAS TINDAK PIDANA PENYALAHGUNAAN DATA PRIBADI NASABAH PINJAMAN ONLINE DITINJAU DARI UNDANG-UNDANG INFORMASI DAN TRANSAKSI ELEKTRONIK (ITE)

Introduction

Perlindungan hukum atas tindak pidana penyalahgunaan data pribadi nasabah pinjaman online ditinjau dari undang-undang informasi dan transaksi elektronik (ite). Pelajari perlindungan hukum data pribadi nasabah pinjaman online dari penyalahgunaan. Analisis UU ITE dan sanksi pidana tegas bagi pelanggar, termasuk denda hingga Rp 1 miliar.

Abstract

Penelitian ini bertujuan untuk mengetahui perlindungan hukum atas tindak pidana penyalahgunaan data pribadi nasabah pinjaman online ditinjau dari Undang-Undang Informasi dan Transaksi Elektronik. Jenis penelitian yang digunakan adalah penelitian hukum normatif, yaitu dengan menggunakan pendekatan perundang-undangan(Statute Approach) dan pendekatan konseptual(Conceptual Approach). Hasil penelitian menunjukan bahwa Undang-undang Informasi dan Transaksi Elektronik yang menurut pasal 1 Undang-undang nomor 1 tahun 2024 Tentang Perubahan Kedua atas Undang-undang Nomor 11 Tahun 2008 memberikan perlindungan atas penyalahgunaan data pribadi nasabah pinjaman online. Perlindungan itu berupa sanksi pidana yang termuat dalam ketentuan Undang-undang Informasi dan Transaksi Elektronik mengatur tentang sanksi atas kasus penyalahgunaan data pribadi pinjaman online dengan hukuman yang tergolong cukup besar. Sanksi yang dimaksud termuat dalam Pasal 45 dalam Undang-undang Informasi dan Transaksi Elektronik memuat aturan bagi pelanggar pasal 27A yang akan diterapkan paling lama 2 tahun atau denda paling banyak Rp. 400.000.000(Empat Ratus Juta Rupiah). Sedangkan Pasal 27B paling lama 6 tahun dan/denda paling banyak Rp. 1.000.000.0000(Satu Miliar Rupiah). Sanksi dalam ketentuan pasal tersebut tercantum sebagai bagian dari perlindungan hukum nasabah pinjaman online.

Review

The submitted paper, "PERLINDUNGAN HUKUM ATAS TINDAK PIDANA PENYALAHGUNAAN DATA PRIBADI NASABAH PINJAMAN ONLINE DITINJAU DARI UNDANG-UNDANG INFORMASI DAN TRANSAKSI ELEKTRONIK (ITE)," addresses a highly pertinent and critical issue in the digital age: the legal protection against the misuse of personal data by online loan customers. The abstract clearly states the research objective, which is to ascertain the legal protection afforded under the Indonesian Law on Information and Electronic Transactions (UITE). Employing a normative legal research methodology, with both statute and conceptual approaches, the study aims to provide a foundational understanding of the existing legal framework. The core finding presented in the abstract is that the UITE, specifically referencing the recent amendments under Law No. 1 of 2024, does indeed provide legal protection against the misuse of personal data in online lending contexts. This protection is primarily manifested through criminal sanctions. The abstract details specific articles, namely Article 45, which references violations under Article 27A and Article 27B, outlining substantial penalties. Article 27A violations are subject to imprisonment of up to 2 years or a fine of up to IDR 400,000,000, while Article 27B violations carry a penalty of up to 6 years imprisonment and/or a fine of up to IDR 1,000,000,000. These sanctions are explicitly identified as integral to the legal protection of online loan customers. The paper's strength lies in its timely focus on an urgent societal problem and its direct engagement with recent legal amendments, particularly Law No. 1 of 2024, which significantly updates the UITE. This makes the findings immediately relevant to the current legal landscape. While the abstract successfully identifies the *existence* of legal protection and specific sanctions, a potential area for further exploration within the full paper would be a deeper analysis of the practical implementation and effectiveness of these provisions. For instance, an examination of enforcement challenges, the sufficiency of the penalties in deterring sophisticated digital crimes, or a comparative analysis with other relevant data protection regulations would enhance the paper's contribution by moving beyond merely stating the legal provisions to critically assessing their real-world impact.

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