Renewal of Personal Data Protection Law in E-Commerce Online Loans

Abstract

Online-based loan services make it easy for people to access credit, but the rapid growth of online loan services tends to open up space for "lintah darat" to get as much profit as possible. Online loans, on the one hand, provide convenience to the community. However, on the other hand, they can be detrimental by spreading personal data, intimidating, and being trapped in the clutches and bonds of online loans with high-interest rates, as well as various other threats of violence. Therefore, consumer protection and personal data protection are necessary for consumers. This research aims to provide an alternative to renewing legal protection for people who use online loans, especially in Central Java. Data collection through direct observation, interviews, and documentation. Data analysis used an interactive model from Miles and Huberman, including data collection, reduction, data display, and conclusions. The study results show that the large number of victims ensnared by online loans proves the need for legal renewal to protect affected communities and can ensnare perpetrators who arbitrarily commit online gender-based violence. This form of protection requires more binding regulations, which regulate criminal sanctions so that they can guarantee protection, justice, and welfare for the community. Besides that, it is also necessary to accelerate the ratification of the Personal Data Protection Bill.