Analisis Yuridis Pinjaman Online Berbasis Jaminan Data Pribadi yang Dibandingkan dengan Praktik Pinjaman Konvensional

Information technology has changed the behavior and lifestyle of people globally at the social, cultural, economic level to the pattern of law enforcement. One of the positive impacts of advancing technology is the emergence of Fintech or online-based lending and borrowing services. Nowadays, online-based lending and borrowing is considered to be a model of a financing solution using financial technology that is considered effective and efficient. The purpose of this study is to find out how the legal protection regarding the rights and obligations of the parties in an online-based loan agreement is and what efforts consumers can take in the event of a dispute with the lender against the leakage of consumer data. The research method used by the author is normative juridical, which means that the author in conducting research and discussing problems uses secondary legal sources which are then emphasized and based on applicable legal materials. From this research, it was found that the basis for legal protection regarding the rights and obligations of the parties in online-based lending and borrowing money agreements is regulated in Law Number 19 of 2016 Amendments to Law Number 11 of 2018 concerning Information and Electronic Transactions. Meanwhile, the efforts that consumers can take in the event of a dispute with the lender regarding the leakage of consumer data are by applying for referential protection to the Financial Services Authority as the authorized institution