PERLINDUNGAN HUKUM TERHADAP KEBOCORAN DATA KONSUMEN PADA LAYANAN PINJAMAN ONLINE

The development of information technology is growing rapidly in various aspects of life. One of the industries that has been penetrated by the development of information technology is the financial industry. The form of development that is commonly encountered is one of the forms of online lending and borrowing that can be accessed by the public through the internet and gadgets. Although the rights of users have been protected by the government through the provisions of laws and regulations, there are still many cases of consumers experiencing personal data leakage. Consumers are often trapped in using the services of business actors who are not registered with the OJK or are illegal so that they can cause losses. The purpose of this study is to identify and analyze forms of legal protection against leakage of consumer data on online loan services and the responsibility of business actors for personal data leakage by online loan services. This type of research is a field research with a normative juridical approach. The nature of this research is descriptive. The data collection technique in this writing was obtained by means of a literature study. Data analysis uses qualitative analysis methods and draws conclusions deductively. The results showed that: First, there is preventive legal protection, namely legal protection carried out with the aim of preventing disputes from occurring. In the case of borrowing and borrowing based on technology and information, the organizers' efforts that can be made are to apply the basic principles of legal protection for service users based on Article 29 of POJK number 77/POJK.01/2016. The principles in question include transparency, fair treatment, reliability, success and data security. In addition, efforts to resolve disputes against service users can be carried out with simple, fast and affordable procedures. Second, there is repressive legal protection, namely legal protection carried out with the aim of resolving disputes that have occurred. This second form can only be taken when a problem or dispute has occurred. In the case of technology-based lending and borrowing services and information, disputes can occur between users and other users or between users and service provider