Effectiveness of Legal Protection Against Misuse of Personal Data in Peer-To-Peer Lending Fintech Services Based on Law Number 27 Of 2022 on Personal Data Protection
DOI:
10.51601/ijersc.v7i1.1029Published:
2026-02-19Downloads
Abstract
This study analyzes the effectiveness of legal protection against the misuse of consumers' personal data in the digital financial services sector. The research is motivated by the increasing incidents of data breaches and misuse of personal data that harm consumers, while also examining the capability of existing regulations to provide adequate protection. This study evaluates the effectiveness of Law Number 27 of 2022 concerning Personal Data Protection (PDP Law). The research employs a normative legal research method with a statutory and conceptual approach. Primary data is derived from Law Number 27 of 2022 on Personal Data Protection (PDP Law), while secondary data comes from relevant legal literature. This research is important due to the growing problem of personal data misuse in fintech P2P lending services, which is rapidly expanding, thus necessitating more specific regulatory updates to keep up with technological developments in fintech in general. The purpose of this study is to analyze the effectiveness of the implementation of Law No. 27 of 2022 in regulating personal data protection and the sanctions imposed on parties involved in the misuse of personal data. This indicates that although legal instruments for data protection are available, their implementation still faces obstacles, particularly in terms of oversight and law enforcement, which remain weak. Therefore, this study concludes that regulatory harmonization, strengthening the role of supervisory institutions, and raising legal awareness are necessary.
References
[1] Agustin, N. N., Syapsan, S., & Mayes, A. (2023). Analysis of Factors Affecting Funding Decisions at Fintech Peer-to-Peer Lending in Indonesia. International Journal of Economics Development Research, 4(3), 2023–2876.
[2] Agustina, W., & Wiraguna, S. A. (2025). Upaya Perlindungan Hukum Hak Privasi Terhadap Data Pribadi dari Kejahatan Peretasan. Media Hukum Indonesia (MHI), 2(6), 23–31. https://doi.org/10.52005/rechten.v4i2.98
[3] Andhika, I., Hasan, D., & M. Rafif, A. (2024). Pengaruh Globalisasi Terhadap Kemajuan Teknologi Di Indonesia. JI-Tech, 20(1), 32–35. https://doi.org/https://doi.org/10.55864/jitech.v20i1.274
[4] Cristine, M. A., Mario, F., Risakota, A., & Celine, S. R. (2025). Perlindungan Data Pribadi dalam Sistem Skoring Kredit Otomatis oleh Fintech di Indonesia : Analisis Yuridis Normatif Berdasarkan Undang- Undang Nomor 27 Tahun 2022. Jurnal Studi Hukum Modern, 07(3), 1–15.
[5] Febrian, F., Saputra, I. Y., & Napitupulu, D. R. W. (2025). Implikasi Hukum terhadap Perlindungan Data Pribadi dalam Transaksi Fintech. Rechtsnormen Jurnal Komunikasi Dan Informasi Hukum, 4(1), 21–30. https://doi.org/10.56211/rechtsnormen.v4i1.1153
[6] Gea, G. V. V., Wijaya, J. G., Clarissa, O., & Witanto, A. K. C. (2025). Personal Data Protection on International Digital Trade: Harmonizing State Regulations Through a Common Standard. Veritas et Justitia, 11(1), 198–225. https://doi.org/https://doi.org/10.25123/zbea9p38
[7] Giffari, R. O. (2025). Perlindungan Terhadap Data Pribadi Yang Digunakan Pihak Lain Pada Pinjaman Online Gagal Baya. Jurnal Ilmiah Wahana Pendidikan, 11(9), 156–166.
[8] Hidayat, N., Subekti, Astutik, S., & Widodo, E. (2025). Penegakan Hukum Terhadap Penyalahgunaan Data Pribadi Pengguna E-Commerce Menurut Undang-Undang Nomor 27 Tahun 2022 Tentang Perlindungan Data Pribadi. JIRK : Journal of Innovation Research and Knowledge, 5(2), 1221–1230.
[9] Hidayat, R. S. (2025). Transformasi hukum bisnis di ekosistem digital: Studi atas perlindungan data pribadi konsumen. Journal of Asrtificial Intelligence and Digital Business (RIGGS), 3(4), 46–52.
[10] Hukom, S., Humi, N., & Lukman, I. (2025). The Urgency of Legal Regulation for Personal Data Protection in Indonesia in the Big Data Era. Hakim: Jurnal Ilmu Hukum Dan Sosial, 3(1), 974–992. https://doi.org/10.51903/hakim.v3i1.2291
[11] Khodijah, Kamila, M., & Siddiq, M. R. (2022). The Impact of Digital Economics on Economic Growth in Indonesia. Fara’id and Wealth Management, 2(1), 27–35. https://doi.org/https://doi.org/10.58968/fwm.v2i1.185
[12] Kurniawan, M. F., Eftria, E. R., Prastiwi, D. E., Studi, P., Hukum, I., Hukum, F., Pamulang, U., Selatan, K. T., Digital, P., & Siber, K. (2025). Menjaga Privasi Di Era Digital Perlindungan Hukum Terhadap Data Pribadi Di Indonesia. Causa : Jurnal Hukum Dan Kewarganegaraan, 14(10). https://doi.org/10.8734/CAUSA.v1i2.365
[13] Mahameru, D. E., Nurhalizah, A., Wildan, A., Haikal Badjeber, M., & Rahmadia, M. H. (2023). Implementasi UU Perlindungan Data Pribadi Terhadap Keamanan Informasi Identitas di Indonesia. Jurnal Esensi Hukum, 5(2), 115–131.
[14] Markuat. (2022). Dampak Penetapan Lockdown Bagi Sebuah Negara Dalam Pemenuhan Kebutuhan Berdasarkan Asas Keadilan. JPeHI (Jurnal Penelitian Hukum Indonesia), 3(1), 80. https://doi.org/10.61689/jpehi.v3i1.336
[15] Nurul Insi Syahruddin, & Eva Achjani Zulfa. (2024). Personal Data Protection Violations By Fintech Lending in Indonesia. Journal of Law, Politic and Humanities, 4(4), 999–1006. https://doi.org/10.38035/jlph.v4i4.414
[16] Pasaribu, D., Judijanto, L., Vandika, A. Y., Bilondato, N Sudarmanto, E., & Basri, T. S. (2024). The Role of Fintech Innovation in Financial Inclusion: A Literature Review of Emerging Tren and Challenges. Innovative: Journal Of Social Science Research, 4(2), 3784–3792.
[17] Ramadhani, S. A. (2022). Komparasi Perlindungan Data Pribadi di Indonesia dan Uni Eropa. Jurnal Hukum Lex Generalis, 3(1), 73–84. https://doi.org/10.56370/jhlg.v3i1.173
[18] Rifa, F., & Hidayati, M. N. (2024). Kebijakan Penal dalam Perlindungan Data Pribadi Nasabah Fintech Lending di Indonesia. Binamulia Hukum, 13(2), 461–481. https://doi.org/10.37893/jbh.v13i2.964
[19] Satrio Ulil Albab. (2024). Perlindungan Hukum Terhadap Data Pribadi Nasabah Penyedia Jasa Pinjaman Bukan Bank Secara Online. Ethics and Law Journal: Business and Notary, 2(1), 176–182. https://doi.org/https://doi.org/10.61292/eljbn.112
[20] Septiani, S., Lalita, S. F., & Zahra, D. R. (2024). Pengaruh Financial Technology Peer to Peer Lending dan Uang Elektronik (E-Money) terhadap Pertumbuhan Ekonomi di Indonesia (Tahun 2021-2023). Jurnal Keuangan Dan Perbankan, 21(1), 69–78. https://doi.org/https:doi.org/10.35384/jkp.v21i1.591
[21] Shafa Salsabila, & Sidi Ahyar Wiraguna. (2025). Pertanggungjawaban Hukum atas Pelanggaran Data Pribadi dalam Perspektif Undang-Undang Pelindungan Data Pribadi Indonesia. Konsensus : Jurnal Ilmu Pertahanan, Hukum Dan Ilmu Komunikasi, 2(2), 145–157. https://doi.org/10.62383/konsensus.v2i2.736
[22] Simanjuntak, P. H. (2024). Perlindungan Hukum Terhadap Data Pribadi pada Era Digital di Indonesia: Studi Undang-Undang Perlindungan Data Pribadi dan General Data Protection Regulation (GDPR). Jurnal Esensi Hukum, 6(2), 105–124.
[23] Sitorus, R., Felix, Z., & Banke, R. (2025). Kendala Pelaksanaan Perlindungan Data Pribadi. Locus: Jurnal Konsep Ilmu Hukum, 5(1), 53–60.
[24] Situmeang, S. M. T. (2021). Penyalahgunaan Data Pribadi Sebagai Bentuk Kejahatan Sempurna Dalam Perspektif Hukum Siber. Jurnal SASI, 27(1), 38–52.
License
Copyright (c) 2026 International Journal of Educational Research & Social Sciences
This work is licensed under a Creative Commons Attribution 4.0 International License.
