Digital Intrusion Industri Pinjol Ilegal: Kajian Perlindungan Hukum terhadap Korban Penyalahgunaan Data Telepon dan Galeri Foto
DOI:
https://doi.org/10.33830/humaya.v6i1.13897Keywords:
Personal data, Fintech, Digital intrusion, Illegal loans, PrivacyAbstract
The practice of misuse of personal data by illegal online loans became a formidable phenomenon in the digital era in Indonesia. This research occurred in response of these issues: first, how the regulation construction of Indonesian law for digital intrusion, secondly, what extent the efficacy of existing regulations in victim protections. Through normative juridical approach with analysis of the Criminal Code, Law Number 1 of 2024 concerning the Second Amendment to the ITE Law, Law Number 27 of 2022, and POJK Number 40 of 2024. The research findings show that Indonesia's legal framework indeed been fairly comprehensive with existence of PDP Law as specific legal regulation, supported by the ITE Law and other legal provisions. However, the implementation still faces serious obstructions and suboptimal. The obstructions include coordination between disorganized regulations, complicated victim recovery mechanisms, and operational characteristics that are transnational and adaptive to evolving technologies. These findings lead to important implications for the need to strengthen systems through the establishment of integrated victim handling protocols, digital investigative capacity, and harmonization of international regulations. The counsels submitted are in the form of optimizing the implementation of the PDP Law through more operational technical regulations, as well as increasing synergy between the OJK, Kominfo, the Police, and PPATK in handling illegal loan cases.
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