?url_ver=Z39.88-2004&rft_id=1852011021&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+KRIMINOLOGIS+KEJAHATAN+PENGANCAMAN+%0D%0ATERHADAP+NASABAH+PINJAMAN+ONLINE&rft.creator=M+DEVIN+APRILIAN+WN%2C+1852011021&rft.subject=345+Hukum+pidana&rft.description=ABSTRAK%0D%0A%0D%0AANALISIS+KRIMINOLOGIS+KEJAHATAN+PENGANCAMAN+TERHADAP+NASABAH+PINJAMAN+ONLINE%0D%0A(Studi+Pada+Wilayah+Kepolisian+Daerah+Lampung)%0D%0A%0D%0AOleh%3A%0D%0A%0D%0AM+DEVIN+APRILIAN+WN%0D%0A%0D%0ATindak+pidana+intimidasi+atau+pengancaman+adalah+suatu+perbuatan+yang+dilarang+oleh+suatu+aturan+hukum+yang+disertai+ancaman+atau+sanksi+yang+berupa+pidana+tertentu%2C+bagi+barang++siapa++yang++melanggar++larangan+tersebut.+Kata+intimidasi+terkandung+makna+secara+memaksa%2C+menggertak+atau+mengancam%2C+hal+ini+dijelaskan+pada+Kitab+Undang-Undang+Hukum+Pidana+(KUHP)+pada+buku+II+Pasal+368+Ayat+(1)+dan+369+Ayat+(1)+KUHP.+Namun+bagi+pelaku+tindak+pidana+intimidasi+di+bidang+Financial+technology+(fintech)+masih+belum+maksimal.+Permasalahan+dalam+penelitian+ini+adalah+Apakah+faktor+penyebab+pelaku+melakukan+pengancaman+terhadap+nasabah%2C+Apakah+bentuk-bentuk+cara+penagihan+pelaku+pinjaman+online+(daring)+ilegal+dan+Bagaimana+cara+upaya+menanggulangi+bagi+pihak+Kepolisian+dalam+cara-cara+penagihan+pinjaman+online+(daring)+ilegal.%0D%0A%0D%0AMetode+penelitian+menggunakan+pendekatan+yuridis+empiris%2C+data+yang+digunakan+adalah+data+sekunder+dan+data+primer.+Studi+yang+dilakukan+dengan+studi+kepustakaan+dan+studi+lapangan.+Adapun+narasumber+pada+penelitian+ini+terdiri+dar+i+Penyidik+Kriminal+Khusus+Polda+Lampung+dan+Dosen+Bagian+Pidana+Fakultas+Hukum+Universitas+Lampung.+Analisis+data+yang+digunakan+adalah+kualitatif.%0D%0A%0D%0AHasil+penelitian+menunjukkan+bahwa+(1)+Faktor+penyebab+pelaku+melakukan+pengancaman+terhadap+nasabah+adalah+lemahnya+regulasi+baik+dari+sistem+pengawasan+hingga+penegakan+hukum+terhadap+perusahaan+yang+curang.+Di+sisi+lain%2C++praktik++itu++juga+dikarenakan+kondisi+ekonomi+yang++sulit++akibat++pandemi+Covid-19+dan+juga+perilaku+masyarakat+digital+yang+konsumtif.+Oleh+karena+itu+pinjol+cukup+mudah+memberikan+layanan+pinjaman+uang%2C+dibandingkan+sektor+keuangan+formal+lainnya+seperti+bank%2C+yang+biasanya+memiliki+banyak+persyaratan+serta+harus+melakukan+berbagai+verifikasi+dokumen%2C+sehingga+dalam+penagihan+juga+akan+dilakukan+secara+semena-mena.+(2)+Bentuk-bentuk+cara+penagihan+pelaku+pinjaman+online+(daring)+ilegal+berupa+tindakan+penagihan+pinjol+memakai+ancaman+kekerasan+atau+tindakan+serupa+lain+dapat+dikualifikasikan+sebagai+tindak+pidana+sebagaimana+diatur+dalam+KUH+Pidana.+Kemudian%2C+apabila+tindakan+%E2%80%9Cpengancaman%E2%80%9D+dilakukan+melalui+sarana+elektronik%2C+maka+pelaku+dapat+ditindak+menggunakan+ketentuan+pertanggungjawaban+pidana+yang+diatur+dalam+UU+ITE.++%0D%0A(3)+Cara+upaya+menanggulangi+bagi+pihak+Kepolisian+dalam+cara-cara+penagihan+pinjaman+online+(daring)+ilegal+yaitu+adanya+sinergi+kerja+sama+antara+Kementerian%0D%0AKomunikasi+dan+Informatika++(Kominfo)%2C+OJK+dan+kepolisian+dalam+mengawasi+layanan+pinjaman+online%2C+peningkatan+literasi+digital+masyarakat%2C+perlunya+regulasi+terkait+perlindungan+bagi+konsumen+layanan+pinjaman+online+ilegal+dan+perlunya+evaluasi+mekanisme+perizinan+atau+pendaftaran+perusahaan+layanan+pinjaman+online+di+OJK.%0D%0A%0D%0ABerdasarkan+simpulan+di+atas%2C+maka+dapat+diberikan+saran+perlu+adanya+koordinasi+antara+Otoritas+Jasa+Keuangan+dengan+Kementerian+Komunikasi+dan+Informatika+dalam+melakukan+sosialisasi+mengenai+pinjaman+online+agar+masyarakat+dapat+memahami+perbedaan+dari+penyelenggara+pinjaman+online+legal+dan+ilegal+dari+segi+legalitas%2C+suku+bunga%2C+metode+penawaran+dan+sebagainya.+Perlu+adanya+koordinasi+antara+Otoritas+Jasa+Keuangan+dan+Yayasan+Lembaga+Konsumen+Indonesia+dalam+menetapkan+bentuk+perjanjian+atau+dokumen+pinjaman+online+agar+isi+klausula+tidak+merugikan+++pengguna+++layanan.+++Otoritas+++Jasa+++Keuangan+++perlu+++melakukan+penyusunan+Undang-Undang+Financial+technology+sebagai+dasar+hukum+dalam+melakukan+penindakan+terhadap+pinjaman+online+illegal+yang+merugikan+masyarakat.+DPR+RI+dan+Direktorat+Jenderal+Peraturan+Perundang-Undangan+Kementerian+Hukum+dan+HAM+perlu+melakukan+percepatan+penetapan+RUU+Perlindungan+Data+Pribadi+menjadi+undang-undang.+Dimana+perlunya+aturan+lebih+lanjut+tentang+entitas+fintech+illegal+++serta+pengaturan+tentang+pentingnya+keberadaan+lembaga+pengawas+independent+sebagai+lembaga+yang+melakukan+penindakan+terhadap+pelanggaran+hak+atas+data+pribadi+pengguna+layanan+pinjaman+online.%0D%0A%0D%0AKata++Kunci%3A++Analisis%2C++Kriminologis%2C++Kejahatan++Pengancaman%2C++Nasabah%2C+Pinjaman+Online.+%0D%0A+%0D%0A%0D%0A%0D%0A%0D%0AABSTRACT%0D%0A%0D%0ACRIMINOLOGICAL+ANALYSIS+OF+THREAT+CRIMES+AGAINST+ONLINE+(Study+in+the+Lampung+Regional+Police+Area)%0D%0A%0D%0ABy%3A%0D%0A%0D%0AM+DEVIN+APRILIAN+WN%0D%0A%0D%0AThe+crime+of+intimidation+or+threats+is+an+act+that+is+prohibited+by+a+rule+of+law+accompanied+by+threats+or+sanctions+in+the+form+of+certain+crimes%2C+for+anyone+who+violates+the+prohibition.+The+word+intimidation+contains+the+meaning+of+coercing%2C+bullying+or+threatening%2C+this+is+explained+in+the+Criminal+Code+(KUHP)+in+book+II+Article+368+Paragraph+(1)+and+369+Paragraph+(1)+of+the+Criminal+Code.+However%2C+for+perpetrators+of+criminal+acts+of+intimidation+in+the+field+of+financial+technology+(fintech)+it+is+still+not+optimal.+The+problems+in+this+study+are+What+are+the+factors+that+cause+perpetrators+to+threaten+customers%3F%2C+What+are+the+forms+of+how+to+collect+online+illegal+and++What+are+the+efforts+to+deal+with+the+police+in+ways+to+collect+loans+illegal+online%3F.%0D%0A%0D%0AThe+research+method+uses+an+empirical+juridical+approach%2C+the+data+used+are+secondary+data++and++primary+data.+The+study+was+carried+out++by+means+of++a+literature+study+and+a+field+study.+The+resource+persons+in+this+study+consisted+of+the+Special+Criminal+Investigator+of+the+Lampung+Police+and+Lecturer+of+the+Criminal+Section+of+the+Faculty+of+Law%2C+University+of+Lampung.+The+data+analysis+used+is+qualitative.%0D%0A%0D%0AThe+results+of+the+study+show+that+(1)+The+factors+that+cause+perpetrators+to+threaten+customers+are+weak+regulations%2C+both+from+the+supervisory+system+to+law+enforcement+against+fraudulent+companies.+On+the+other+hand%2C+this+practice+is+also+due+to+the+difficult+economic+conditions+due+to+the+Covid-19+pandemic+and+also+the+consumptive+behavior+of+the+digital+community.+Because+of+this%2C+it+is+quite+easy+for+borrowers+to+provide+money+loan+services%2C+compared+to+other+formal+financial+sectors+such+as+banks%2C+which+usually+have+many+requirements+and+must+carry+out+various+document+verifications%2C+so+that+collections+will+also+be+carried+out+arbitrarily.+(2)+The+forms+of+how+to+collect+online+illegal+collection+actions+using+threats+of+violence+or+other+similar+actions+can+be+qualified+as+criminal+acts+as+regulated+in+the+Criminal+Code.+Then%2C+if+the+act+of+%22threatening%22+is+carried+out+through+electronic+means%2C+the+perpetrator+can+be+prosecuted+using+the+provisions+for+criminal+liability+as+regulated+in+the+Transaction+and+Electronic+Information+Law.+(3)+Ways+to+deal+with+the+police+in+ways+to+collect+online+%2C+namely+the+synergy+of+cooperation+between+the+Ministry+of+Communication+and+Information++%0D%0A(Kominfo)%2C+OJK+and+the+police+in+supervising+online+loan+services%2C+increasing+public+digital+literacy%2C+the+need+for+regulation+related+to+protection+for+consumers+of+online+and+the+need+to+evaluate+the+licensing+mechanism+or+registration+of+online+at+the+Financial+Service+Authority+.%0D%0A%0D%0ABased+on+the+conclusions+above%2C+it+can+be+suggested+that+there+is+a+need+for+coordination+between+the+Financial+Services+Authority+and+the+Ministry+of+Communication+and+Information+in+conducting+socialization+about+online+so+that+people+can+understand+the+difference+between+online+legal+and+illegal.+There+is+a+need+for+coordination+between+the+Financial+Services+Authority+and+the+Indonesian+Consumers+Foundation+in+determining+the+form+of+an+agreement+or+online+so+that+the+contents+of+the+clause+do+not+harm+service+users.Act+Financial+technology+as+a+legal+basis+for+taking+action+against+illegal+online+that+are+detrimental+to+the+community.+The+Home+of+Representative+RI+and+the+Directorate+General+of+Legislation+at+the+Ministry+of+Law+and+Human+Rights+need+to+accelerate+the+stipulation+of+the+Personal+Data+Protection+Bill+into+law.+Where+is+the+need+for+further+regulations+regarding+fintech+supervisory+independent+agency+as+an+institution+that+takes+action+against+violations+of+the+rights+to+personal+data+of+online.%0D%0A%0D%0AKeywords%3A+Analysis%2C+Criminology%2C+Threatening+Crime%2C+Customers%2C+Online%0D%0A+%0D%0A&rft.publisher=FAKULTAS+HUKUM&rft.date=2022-08-11&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F65809%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F65809%2F3%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F65809%2F4%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++M+DEVIN+APRILIAN+WN%2C+1852011021++(2022)+ANALISIS+KRIMINOLOGIS+KEJAHATAN+PENGANCAMAN+TERHADAP+NASABAH+PINJAMAN+ONLINE.++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F65809%2F