Perlindungan Hukum Terhadap Data Konsumen Yang Melakukan Pinjaman Melalui Aplikasi Kredit Online

In the era of digital economy innovation, people are trying to find new findings in the provision of services for loan activities, which can be seen from the existence of digital-based money lending services that are considered to be able to build growth and the national economy. Information technology has had an impact on the population, shaping the types and opportunities. There are several financial services that use information technology or what is often claimed to be Financial Technology which is abbreviated as fintech and also known as financial technology. The types of observations used in this research are normative research to prove coherent facts, are there legal regulations in line with legal provisions or regulations in the form of prohibitions or directives to be in line with legal concepts, and if individual behavior or actions are in line with legal principles or norms. This research data was obtained through a process of reviewing legal documents and regulations related to legal protection for customers who carry out lending and borrowing transactions offline and interviews with users of online lending applications. Then secondary data, which is useful as a supporter of primary data, is obtained from books, journals. The interview sample is 5 people. The results obtained are that the legal protection for the parties in the online loan agreement on the application can be carried out in a preventive and repressive manner. Preventive legal protection is carried out by applying the basic principles of the Operator before a dispute occurs. These basic principles are regulated in Article 29 of POJK Number 77/POJK.01/2016, namely the principles of transparency, fair treatment, reliability, confidentiality and data security, and simple, fast and affordable resolution of User disputes. Repressive legal protection is carried out after a dispute occurs. The aggrieved party immediately makes a complaint action. Basically the borrower (debtor) is obliged to pay the debt in accordance with what has been agreed. If the debtor is late in paying the debt and it is due, then this can be subject to a fine according to what has been agreed and if the debtor still does not have good faith to pay the debt, the creditor has the right to sue the debtor on the basis of default (breach of promise). The organizers' efforts before the dispute occurred was to apply the basic principles of legal protection for Fintech service users. These principles are regulated in Article 29 of POJK Number 77/POJK.01/2016 concerning Information Technology-Based Lending and Borrowing Services, including the principles of transparency, fair treatment, reliability, confidentiality and data security, and simple, fast and easy resolution of User disputes. affordable cos