PERLINDUNGAN HUKUM TERHADAP PENGGUNA JASA LAYANAN PINJAM MEMINJAM UANG BERBASIS TEKNOLOGI INFORMASI YANG MENERIMA ANCAMAN, PELECEHAN VERBAL DAN PENYALAHGUNAAN DATA KONSUMEN

Abstract

Information Technology-Based Lending and Borrowing Services provides an easier credit process compared to banks. Agreements made through online media cause unpleasant billing to consumers. Problems: (1) What is the role of OJK in protecting users of Information Technology-Based Lending and Borrowing Services? (2) How is the application of sanctions against Information Technology-Based Lending and Borrowing Services that make threats, verbal and consumer data? The research uses normative juridical with secondary data consisting of primary legal materials, secondary legal materials and tertiary legal materials. The technique of collecting data is document study and qualitative analysis. The results of the study: (1) OJK has a role in protecting service users through Law Number 21 of 2011 concerning OJK (2) OJK applies sanctions for organizers who commit unpleasant acts in accordance with POJK Number 77/POJK.01/2016 concerning Borrowing Services Borrowing Money Based on Information Technology.