TRANSFORMATIVE JUSTICE, PROTECTION OF CONSUMER PERSONAL DATA IN ONLINE LOAN BUSINESS IN INDONESIA

Abstract

Lately there have been many online loan cases that have had various impacts, starting from problematic billing times to misuse of customer personal data. Online loan application services, many people have complained about problems regarding the distribution of personal data carried out by online loan providers without notification and without permission from the owner. Legal protection and sanctions for violations of personal data have been regulated in UURI No. 27 of 2022 and its amendments concerning Electronic Information and Transactions. Of course there are several indicators that can cause conflict in the aspect of personal data protection, especially in the case of online loans, including prohibitions: (a) prohibition of obtaining or collecting personal data that is not theirs, with the intention of benefiting oneself or others , which may result in the loss of the subject's personal data; (b) prohibition of disclosing personal data that does not belong to him with the intention of benefiting himself or another person which could result in the loss of the personal data subject; (c) prohibition of using personal data that does not belong to him, with the intention of benefiting himself or another person which can result in the loss of the personal data subject; (d) prohibition of making false personal data or falsifying personal data with the intention of benefiting oneself or another person which may result in harm to another person. The research used in this research process uses a type of normative legal research. The determination of this study puts forward the dignified aspect of justice in the process of resolving online loan conflicts against all forms of protection of consumers' personal data, so that consumers feel transformative justice in an electronic trading system. Apart from that, it also maintains the principles of privacy rights in order to protect and provide legal certainty against all forms of abuse of consumer personal data.