Abstract
This research is aimed at analyzing arrangements regarding online loans in Indonesia, analyzing the protection of personal data for accessing telephone contact lists and photo galleries of users in online loans, and analyzing the legal liability of fintech companies for accessing telephone contact lists and photo galleries in the online loan process. used is a normative legal research method, using a statutory approach and a conceptual approach. The results of this first study, regulations regarding online loans according to Indonesian law are contained in POJK No.77 / POJK.0 / 2016, OJK Circular Letter No. 18 / SEOJK.02 / 2017, Bank Indonesia Regulation No. 19/12 / PBI / 2017, Bank Indonesia Regulation No.18 / 40 / PBI / 2016, Regulation of Members of the Board of Governors No.19 / 14 / PADG / 2017, and Regulation of Members of the Board of Governors No. 19/15 / PADG / 2017. Second, the protection of personal data against accessing telephone contact lists and photo galleries in online loans is in the form of preventive protection and repressive protection. Third, the legal accountability of fintech companies for accessing telephone contact lists and photo galleries in the online loan process is carried out by means of civil liability, criminal liability, and administrative responsibility.
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