?url_ver=Z39.88-2004&rft_id=+2112011415&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PERLINDUNGAN+HUKUM+TERHADAP+PENYALAHGUNAAN+DATA+PRIBADI+DALAM+AKTIVITAS+PINJAMAN+ONLINE&rft.creator=Ahmad+%2C++Rafki+Makarim&rft.subject=340+Ilmu+hukum&rft.description=Perkembangan+teknologi+finansial%2C+khususnya+layanan+pinjaman+online+berbasis+peer-to-peer+lending%2C+telah+memberikan+kemudahan+akses+keuangan+bagi+masyarakat.+Namun+di+balik+kemudahan+tersebut+muncul+permasalahan+serius+berupa+penyalahgunaan+data+pribadi+konsumen%2C+yang+tidak+jarang+berujung+pada+intimidasi%2C+pelecehan%2C+hingga+kerugian+psikologis+dan+material.+Perlindungan+hukum+terhadap+konsumen+dalam+konteks+ini+menjadi+isu+penting%2C+mengingat+banyaknya+kasus+pelanggaran+privasi+oleh+penyelenggara+pinjaman+online%2C+khususnya+yang+tidak+terdaftar+di+OJK.+Permasalahan+utama+dalam+penelitian+ini+adalah+mekanisme+pelaksanaan+pinjaman+online+oleh+konsumen+di+Indonesia+serta+bentuk+perlindungan+hukum+terhadap+penyalahgunaan+data+pribadi+dalam+aktivitas+tersebut.%0D%0A%0D%0AJenis+penelitian+yang+digunakan+dalam+penulisan+skripsi+ini+adalah+jenis+penelitian+normatif.+Tipe+penelitian+ini+menggunakan+penelitian+deskriptif%2C+pendekatan+perundang-undangan%2C+menggunakan+sumber+data+sekunder+dengan+bahan+hukum+primer%2C+sekunder+dan+tersier+metode+pengumpulan+data+yang+dipergunakan+adalah+studi+pustaka+dan+analisis+data+dilakukan+dan+komprehensif.%0D%0A%0D%0AHasil+penelitian+menunjukkan+bahwa+pelaksanaan+pinjaman+online+dilakukan+melalui+sistem+digital+yang+melibatkan+proses+verifikasi+data+pribadi+tanpa+tatap+muka%2C+namun+seringkali+belum+disertai+dengan+mekanisme+perlindungan+data+yang+memadai.+Bentuk+perlindungan+hukum+terhadap+konsumen+terbagi+menjadi+dua%3A+preventif+dan+represif.+Upaya+preventif+meliputi+pemenuhan+kewajiban+penyelenggara+untuk+menjaga+kerahasiaan+dan+keamanan+data%2C+transparansi%2C+serta+pemberian+edukasi+kepada+konsumen.+Sementara+itu%2C+upaya+represif+mencakup+jalur+penyelesaian+sengketa+secara+litigasi+dan+non-litigasi.%0D%0AKata+kunci%3A+Perlindungan+Hukum%2C+Penyalahgunaan+Data+Pribadi%2C+Pinjaman+Online+%0D%0A%0D%0A%0D%0AThe+development+of+financial+technology%2C+particularly+peer-to-peer+lending+services%2C+has+increased+financial+accessibility+for+the+public.+However%2C+behind+this+convenience+lies+a+serious+issue+of+personal+data+misuse%2C+which+often+leads+to+intimidation%2C+harassment%2C+and+both+psychological+and+material+losses.+Legal+protection+for+consumers+in+this+context+becomes+crucial%2C+given+the+increasing+number+of+privacy+violations+committed+by+online+lending+providers%2C+especially+those+not+registered+with+the+Financial+Services+Authority+(OJK).+This+research+focuses+on+two+main+problems%3A+the+mechanism+of+online+lending+implementation+by+consumers+in+Indonesia+and+the+form+of+legal+protection+against+the+misuse+of+personal+data+in+such+activities.%0D%0AThe+type+of+research+used+in+writing+this+thesis+is+normative.+with+a+descriptive+method+and+a+statutory+approach.+It+uses+secondary+data+consisting+of+primary%2C+secondary%2C+and+tertiary+legal+materials.+The+data+collection+method+applied+is+literature+review%2C+while+the+data+is+analyzed+normatively+and+comprehensively.%0D%0AThe+research+findings+indicate+that+the+implementation+of+online+lending+is+conducted+through+a+digital+system+involving+personal+data+verification+without+face-to-face+interaction.+However%2C+this+process+often+lacks+adequate+data+protection+mechanisms.+Legal+protection+for+consumers+is+divided+into+two+forms%3A+preventive+and+repressive.+Preventive+measures+include+the+obligation+of+service+providers+to+ensure+the+confidentiality+and+security+of+personal+data%2C+maintain+transparency%2C+and+provide+consumer+education.+Meanwhile%2C+repressive+measures+involve+dispute+resolution+through+both+litigation+and+non-litigation+channels.%0D%0AKeywords%3ALegal+Protection%2C+Personal+Data+Misuse+Online+Loans%0D%0A&rft.publisher=FAKULTAS+HUKUM&rft.date=2025-06-11&rft.type=Skripsi&rft.type=PeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89161%2F1%2F1.%2520ABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89161%2F2%2F2.%2520SKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89161%2F3%2F3.%2520SKRIPSI%2520TANPA%2520PEMBAHASAN%255D.pdf&rft.identifier=++Ahmad+%2C+Rafki+Makarim++(2025)+PERLINDUNGAN+HUKUM+TERHADAP+PENYALAHGUNAAN+DATA+PRIBADI+DALAM+AKTIVITAS+PINJAMAN+ONLINE.++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F89161%2F