LEGAL PROTECTION FOR ONLINE LOAN CUSTOMERS FROM DEFAMATION BY LAW IN INDONESIA
Muhammad Reza Syariffudin Zaki, Vivian, Ahmad Sofian, & Bambang Pratama

Business Law Program, Law Department, Faculty of Humanities
Bina Nusantara University, Jakarta, Indonesia, 11490

muhammad.zaki[at]binus.ac, vivian007[at]binus.ac.id, asofian[at]binus.ac.id, bptama[at]binus.ac.id

Abstract

With the development of technology that continues to advance, it certainly makes it easier for people to carry out various activities. One of them is in the financial sector, namely online loan services that make it easier for people to offer loans compared to conventional institutions such as banks. But behind this convenience, of course, there are problems that arise such as insults or defamation on social media and consumer personal protection data when the borrower cannot pay at the specified time. Therefore, consumer protection and consumer personal data protection are very necessary. This research is entitled ^Legal Protection for Online Loan Customers From Defamation According to Law in Indonesia.^ The research method used is normative legal research using a statutory approach. The formulation of the problem in this study is: What is the form of legal protection against cases of defamation of online loan customers? So it can be concluded from the formulation of the problem that legal protection against defamation intersects with leaked customer personal data which has been regulated in Law no. 11 of 2008 and its amendments regarding Information and Electronic Transactions, but specifically regarding legal protection and sanctions for personal data violations in online loan services have been stated in the Financial Services Authority Regulation No. 77/POJK.01/2016 concerning Information Technology-Based Borrowing-Lending Services, which is emphasized in article 26 that the organizers are responsible for maintaining the confidentiality, integrity and availability of users^ personal data and in their use must obtain approval from the owner of personal data unless otherwise stipulated by the provisions laws and regulations.

Keywords: Legal Protection, Online Loans, Defamation

Topic: Financial Technology