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Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online

Meyske Adriani Metanila(1email), Theresia Louize Pesulima(2), Marselo Valentino Geovani Pariela(3)


(1) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(2) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
(3) Fakultas Hukum Universitas Pattimura, Ambon, Indonesia
email Corresponding Author
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Abstract


Introduction: Process of providing loans without intermediaries such as banks and credit institutions, there is a special website in the form of an implementation platform where the user can become a giver. In online loans, some are guaranteed and some are without collateral, this can lead to misuse of personal data for users of financial technology services.

Purposes of the Research: The purpose of writing this thesis is to find out and explain the application of the precautionary principle of online loan customer data and how the form of legal protection for online loan customer data.

Methods of the Research: The research method used in this study is normative juridical with a conceptual approach and statutory regulations and legal materials used are primary and secondary legal materials.

Results of the Research: The The results of this study indicate that financial technology is an innovation or a combination of conventional banking credit agreement systems with a touch of modern technology. The system for managing credit agreements in financial technology includes: Basic Banking Law No. 10 of 1998, Bank Indonesia Regulation (PBI) No. 19/12/PBI/2017 concerning the Implementation of Fintech, Financial Services Authority Regulation No. 77/POJK.01/2016 regarding Information Technology-Based Money Borrowing Services Digital Financial Services, then Regulations regarding the principle of prudence in fintech credit agreements have the same rights and obligations between conventional credit agreements with fintech.

Keywords


Online Loans; Customer Data; Prudential Principles.


DOI


10.47268/tatohi.v3i11.2102

Published


2024-01-31

How To Cite


APA: Metanila, M.A., Pesulima, T.L., & Pariela, M.V. (2024). Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online. TATOHI: Jurnal Ilmu Hukum, 3(11), 1109 – 1120. DOI: https://doi.org/10.47268/tatohi.v3i11.2102.
IEEE: M.A. Metanila, T.L. Pesulima, and M.V. Pariela, "Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online", TATOHI J. Ilmu Huk., vol. 3, no. 11, pp. 1109 – 1120, Jan. 2024. Accessed on: Nov. 23, 2024. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v3i11.2102
Harvard: Metanila, M.A., Pesulima, T.L., and Pariela, M.V., (2024). "Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online". TATOHI: Jurnal Ilmu Hukum, Volume 3(11), pp. 1109 – 1120. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v3i11.2102 (Accessed on: 23 November 2024)
Chicago: Metanila, Meyske Adriani, Theresia Louize Pesulima, and Marselo Valentino Geovani Pariela. "Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online." TATOHI: Jurnal Ilmu Hukum 3, no. 11 (January 31, 2024): 1109 – 1120. Accessed November 23, 2024. doi:10.47268/tatohi.v3i11.2102
Vancouver: Metanila MA, Pesulima TL, Pariela MV. Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online. TATOHI J. Ilmu Huk. [Internet]. 2024 Jan 31 [cited 2024 Nov 23];3(11):1109 – 1120. Available from: https://doi.org/10.47268/tatohi.v3i11.2102
MLA 8th: Metanila, Meyske Adriani, Theresia Louize Pesulima, and Marselo Valentino Geovani Pariela. "Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online." TATOHI: Jurnal Ilmu Hukum, vol. 3, no. 11, 31 Jan. 2024, pp. 1109 – 1120, doi:10.47268/tatohi.v3i11.2102. Accessed 23 Nov. 2024.
BibTeX: 
@article{TATOHI2102,
		author = {Meyske Metanila and Theresia Pesulima and Marselo Pariela},
		title = {Penerapan Prinsip Kehati-hatian Pada Data Nasabah Pinjaman Secara Online},
		journal = {TATOHI: Jurnal Ilmu Hukum},
		volume = {3},
		number = {11},
		year = {2024},
		keywords = {Online Loans; Customer Data; Prudential Principles.},
		abstract = {Introduction: Process of providing loans without intermediaries such as banks and credit institutions, there is a special website in the form of an implementation platform where the user can become a giver. In online loans, some are guaranteed and some are without collateral, this can lead to misuse of personal data for users of financial technology services.Purposes of the Research: The purpose of writing this thesis is to find out and explain the application of the precautionary principle of online loan customer data and how the form of legal protection for online loan customer data.Methods of the Research: The research method used in this study is normative juridical with a conceptual approach and statutory regulations and legal materials used are primary and secondary legal materials.Results of the Research: The The results of this study indicate that financial technology is an innovation or a combination of conventional banking credit agreement systems with a touch of modern technology. The system for managing credit agreements in financial technology includes: Basic Banking Law No. 10 of 1998, Bank Indonesia Regulation (PBI) No. 19/12/PBI/2017 concerning the Implementation of Fintech, Financial Services Authority Regulation No. 77/POJK.01/2016 regarding Information Technology-Based Money Borrowing Services Digital Financial Services, then Regulations regarding the principle of prudence in fintech credit agreements have the same rights and obligations between conventional credit agreements with fintech.},
				issn = {2775-619X},		pages = {1109--1120}			doi = {10.47268/tatohi.v3i11.2102},
				url = {https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/2102}
		}
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