Implementasi Perlindungan Hukum Terhadap Aturan Data Pribadi Dalam Transaksi Pinjaman Online Dihubungkan Dengan UU No. 8 Tahun 1999 Tentang Perlindungan Konsumen

The ease of obtaining funding through online loans has led to negative consequences, including instances where debtors, overwhelmed by threats and the spread of their personal data, choose to end their lives. The lack of caution in agreeing to terms and conditions increases the risk of personal data leaks. Legal protection for debtors regarding personal data is crucial. This research aims to evaluate the implementation of personal data regulations in online loan transactions in relation to the UUPK, examine legal protections for debtors against unauthorized data leaks, and explore legal remedies available to debtors facing data misuse. The study employs a normative juridical approach, using secondary data from literature and supporting data. Findings indicate that some online loan services still engage in collection practices by distributing debtors' personal data to their contacts via SMS or email, which violates UUPK and POJK 22/2023 Article 62 paragraph (2) letter c, which prohibits collection from parties other than the consumer. This research underscores the need for stringent enforcement of personal data protection laws in online lending.

Keywords: Debtor, Personal Data, Legal Protection, Online Loans