Legal Protection Against the Dissemination of Personal Data of Online Loan Actors in Wajo Regency

Abstract

The purpose of the study was to determine the form and legal basis and resolution of disputes related to online loan services and the factors that hinder law enforcement by the Wajo Police in resolving the dispute. The research method was carried out by analyzing qualitatively using the deductive method and then presented descriptively. The results of the study on legal protection for consumers by implementing a fintech-based company supervision system are closely related to the legal issues of consumer protection which are generally regulated in Law Number 8 of 1999 concerning Consumer Protection. One of the keys to protecting consumer rights is the regulation related to supervision and the supervision system carried out by the government or the Financial Services Authority (OJK) regarding the fintech company itself. The steps that must be taken by the government are that its implementation must be guided by the Financial Services Authority Regulation No. 77 / POJK.01 / 2016 concerning Information Technology Lending Services. Factors that hinder law enforcement are the lack of witness participation in providing information in the investigation process, the low level of education of investigators, the minimal investigation budget, inadequate facilities and infrastructure to support investigator performance, low investigator salaries, and the limited number of investigators.