CYBER CRIME AND PRIVACY RIGHT VIOLATION CASES OF ONLINE LOANS IN INDONESIA

Abstract

This article examines the phenomenon of illegal online loans in Indonesia and the government’s preventive policies to deal with it. This article will be studied
using a qualitative descriptive approach and using content analysis methods and literature review. In this article, the author argues that cybercrime does not
only discuss online data theft or acts of harassment, but also relates to online loan crimes . The author also argues that the development of online loan crime is due to weak government regulations and policies. The government has tried to formulate legal regulations regarding the establishment of online loans legal and also legal rules that will protect victims of online loan crimes. However, in practice it still needs to be studied seriously and in depth. Many online loan crime cases are found in Indonesia, even during this pandemic it was reported that many online loan crimes were felt by the public. Therefore, through this online loan crime, the author wants to explore and examine more deeply about why online loan crimes are increasingly occurring among the public. How is the government trying to protect victims of online loan crimes by implementing the Financial Services Authority (POJK) Regulations, the Electronic Information and Transaction Law and other regulations? Also, how does the discussion of online loan crimes relate to human rights and privacy rights?