PERLINDUNGAN DATA NASABAH KREDIT DENGAN SISTEM ONLINE DI ERA PERKEMBANGAN FINANSIAL TEKNOLOGI

Abstract

This legal writing examines information technology regarding the development of online credit systems. This writing uses a normative juridical approach. The results of this study are the emergence of a trend of online credit applications that promise a very fast credit and disbursement process without collateral. In fact, it can stimulate economic development in Indonesia. Because it increases purchasing power, the funding process is for business capital even for the consumptive needs of its users. However, when bad credit occurs, it has the potential to spread confidential data to our cellphone or email contacts, which are usually carried out by illegal online credit providers with the aim of reminding us to pay installments. The government through the Otoritas Jasa Keuangan must impose strict sanctions for online credit applications that are not in accordance with the authority of the OJK in Law Number 21 of 2011 concerning the Financial Services Authority and Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Money-Based Lending-Lending Services. information technology, PP No. 71 of 2019 regarding the operation of electronic systems and transactions. Law Number 19 of 2016 (UU ITE). To prevent this violation, it is hoped that customers will be more careful in choosing an implementing agency that has been registered and licensed by the OJK and is a challenge for the government through the Otoritas Jasa Keuangan and in collaboration with AFPI to better educate this financial technology lending. As well as the Otoritas Jasa Keuangan's obligation to supervise online credit providers under its auspices and bring order to illegal institutions to reduce public unrest.