Olga Salsabila kiasatina, Laely Wulandari, Idi Amin

PERLINDUNGAN HUKUM TERHADAP PENGGUNA PINJAMAN ONLINE YANG MENJADI KORBAN TINDAK PIDANA PENCURIAN DATA PRIBADI

Introduction

Perlindungan hukum terhadap pengguna pinjaman online yang menjadi korban tindak pidana pencurian data pribadi. Telusuri perlindungan hukum bagi korban pencurian data pribadi pengguna pinjaman online di Indonesia. Analisis UU ITE, UU PDP, UU PK, serta pertanggungjawaban pelaku.

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis perlindungan hukum dan pertanggungjawaban pelaku tindak pidana pencurian data pribadi pengguna pinjaman online menurut hukum positif di Indonesia. Penelitian ini merupakan penelitian hukum normatif dengan pendekatan perundang-undangan dan konseptual. Bahan hukum yang digunakan yakni primer, sekunder, dan tersier dengan studi kepustakaan. Berdasarkan hasil penelitian perlindungan hukum terhadap pengguna pinjaman online yang menjadi korban tindak pidana pencurian data pribadi telah diatur dalam UU ITE yaitu Undang-Undang Nomor 11 Tahun 2008 yang telah mengalami dua kali perubahan yaitu Undang-Undang Nomor 19 Tahun 2016 perubahan pertama dan Undang-Undang Nomor 1 Tahun 2024 perubahan kedua, UU Perlindungan Data Pribadi Nomor 27 Tahun 2022, dan UU Perlindungan Konsumen Nomor 8 Tahun 1999 serta bentuk pertanggungjawaban pelaku berupa pidana penjara, denda, dan ganti rugi yang belum komprehensif diatur dalam peraturan tersebut karena belum mengatur mengenai tata cara lanjutan korban dalam mendapatkan ganti rugi.

Review

This study addresses a highly pertinent and critical issue concerning legal protection for users of online loans who fall victim to personal data theft, a growing concern in the digital age. The research explicitly aims to identify and analyze the existing legal protection mechanisms and the accountability of perpetrators under Indonesian positive law. Employing a normative legal research methodology, with statutory and conceptual approaches, the paper appropriately sets out to examine the relevant legal frameworks, providing a foundational understanding of the current regulatory landscape. The findings of the research effectively outline the multi-layered legal protection available through key Indonesian statutes, specifically citing Law No. 11 Year 2008 on Information and Electronic Transactions (and its subsequent amendments), Law No. 27 Year 2022 on Personal Data Protection, and Law No. 8 Year 1999 on Consumer Protection. Furthermore, the study identifies forms of perpetrator accountability, including imprisonment, fines, and compensation. A significant strength and contribution of this research lies in its clear identification of a critical gap: while compensation is mentioned, the existing regulations lack comprehensive provisions for the specific procedures by which victims can effectively obtain such reparations. This identified lacuna underscores the practical challenges victims face in seeking redress, despite the theoretical availability of legal recourse. The research thus provides invaluable insights for policymakers and legal practitioners, highlighting areas where the current Indonesian legal framework requires enhancement to ensure more comprehensive and accessible justice for victims of personal data theft in the online lending sector. Future research could build upon this by proposing concrete procedural mechanisms or by conducting comparative studies to draw lessons from other jurisdictions, further strengthening the protection for vulnerable online loan users.

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