Legal Protection for Customers in Home Ownership Loans (KPR) in Islamic Banking in The Digital Era
Keywords:
Legal Protection, Mortgage, Sharia Banking, Digital Era.Abstract
The development of information technology has had a significant impact on various fields of life, including banking. In the current digital era, there has been a major shift in banking in terms of offering products such as Home Ownership Loans (KPR). One important aspect in the development of mortgage products is the application of sharia contracts, especially in sharia-based financial institutions. Currently, services at Islamic banks are not only done by visiting the head office or branches, but banks have provided digital services. Indonesian banking continues to progress in creating a number of digital product services to help customers and prospective customers. The purpose of this article is to analyse the implementation of mortgages in Islamic banking in the digital era and the legal protection of customers. The application of information technology in mortgage products faces several challenges. One of them is the protection and security of personal data in accordance with the laws and regulations in the banking sector, including the protection of personal data and compliance with sharia standards in all matters.
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Laws and Regulations
Pasal 1 ayat (1) UU No. 8 Tahun 1999
Internet
https://diveddigital.id/apa-itu-era-digital/
https://pustaka.ut.ac.id/lib/wp-content/uploads/psfmk/HUKUM4312-MI.pdf
