Misuse of Personal Data in Illegal Online Loan Collection: An Analysis of Criminal Liability of Perpetrators
Keywords:
Online Lending, Data Misuse, Criminal LiabilityAbstract
This article examines the misuse of personal data in illegal online loan collection practices, which commonly involve intimidation, dissemination of private information, and threats against victims. The study aims to analyze the forms of criminal liability imposed on perpetrators and assess whether the national legal framework adequately protects privacy rights and data security. Using a normative juridical method, the research reviews provisions under the Electronic Information Law, Personal Data Protection Law, Criminal Code, and relevant OJK regulations. The findings indicate that although legal bases for prosecution exist, enforcement remains constrained by challenges in digital evidence, low reporting rates, and the cross-platform operations of offenders. This study contributes by offering a critical evaluation and recommendations to strengthen law enforcement and prevent digital harm against victims.
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