Bahyfar Lintang Mahendra Sapta Mahendra

Tinjauan yuridis Pemberian sanksi terhadap pelaksanaan pinjaman online yang menggunakan identitas seseorang tanpa seizin pemilik kartu identitas

Introduction

Tinjauan yuridis pemberian sanksi terhadap pelaksanaan pinjaman online yang menggunakan identitas seseorang tanpa seizin pemilik kartu identitas. Telusuri tinjauan yuridis sanksi penyalahgunaan identitas dan data pribadi dalam pinjaman online. Pahami bentuk sanksi (pemerasan, penipuan) & perlindungan hukum bagi korban.

Abstract

Penelitian ini bertujuan untuk mengetahui sanksi apakah yang dapat dikenakan terhadap pelaku penyalahgunaan data pribadi pada pinjaman online dan bagaimana perlindungan hukumnya apabila data pribadinya digunakan. Jenis penelitian yang digunakan adalah penelitian normatif. Hasil penelitian menunjukan bahwa sanksi terhadap pelaksanaan pinjaman online terdiri dari sanksi penyalahgunaan data, pengancaman, pemerasan, pencemaran nama baik, pencurian, dan penipuan. Kemudian ada beberapa bentuk perlindungan terhadap korban penyalahgunaan data pribadi pada pinjaman online yaitu salah satunya dengan upaya ganti rugi materill terhadap korban, restitusi dan kompensasi. Namun pemberian sanksi terkait pelaksanaan pinjaman online kini belum memiliki aturan atau tidak memiliki kejelasan aturan mengenai pinjaman online.  

Review

The paper titled "Tinjauan yuridis Pemberian sanksi terhadap pelaksanaan pinjaman online yang menggunakan identitas seseorang tanpa seizin pemilik kartu identitas" addresses a highly pertinent and critical issue in the digital era: the legal ramifications of unauthorized identity use in online lending platforms. The study effectively sets out to explore two key questions: firstly, the applicable sanctions against perpetrators who misuse personal data in online loans, and secondly, the forms of legal protection available to victims whose personal data has been exploited. This research is particularly timely given the rapid growth of fintech lending and the associated rise in personal data breaches and misuse. Employing a normative research methodology, the study identifies a range of potential sanctions applicable to various facets of personal data misuse in online lending. These sanctions include penalties related to data misuse itself, as well as those addressing the consequences such as threats, extortion, defamation, theft, and fraud, which often accompany such unauthorized activities. Furthermore, the paper outlines several avenues for legal protection for victims, primarily focusing on financial redress through material compensation, restitution, and general compensation. These findings provide a comprehensive overview of the existing legal framework and potential recourse for victims. While the research effectively catalogues existing and potential sanctions and forms of victim protection, a critical finding, and indeed a significant limitation highlighted by the authors, is the current lack of clear and comprehensive regulatory frameworks specifically governing sanctions for online lending activities. The abstract explicitly states that the "provision of sanctions related to the implementation of online loans currently lacks rules or does not have clarity of rules regarding online loans." This underscores a crucial gap in the legal landscape, indicating that despite the identification of various applicable sanctions, their enforcement and clarity remain problematic. Future research should build upon this by proposing concrete policy recommendations to address this regulatory vacuum, ensuring more robust legal certainty and protection for individuals in the burgeoning online lending ecosystem.

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