Legal Protection for Customers Resulting from Personal Data Leaks in Credit Agreements at PT Bpr Karya Sari Sedana
DOI:
https://doi.org/10.62951/ijsw.v3i2.624Keywords:
Accountability, Banking, Consumer Protection, Data Leaks, EconomyAbstract
The economy of a country, including Indonesia, is a system that encompasses all production, distribution, and consumption activities occurring within the country. In the economy, problems often arise that can affect the welfare of society. The problem formulation in this study is: How is the regulation and supervision of both internal and external banks carried out to prevent customer personal data leakage in credit agreements? And how is the responsibility of BPR Karya Sari Sedana towards the leakage of customer debtor data? The research method used is empirical legal research. The conclusion in the study is the protection of customer data against personal data leakage by understanding the forms of supervision from both internal and external parties conducted by the banking institution and referring to the OJK regulations that have been established, in order to minimize the recurrence of similar incidents and allow the public to conduct transactions safely without worrying about their personal data. Leaked by irresponsible individuals. The responsibility carried out by the banking sector currently, namely the Financial Services Authority Regulation Number 22 of 2023 concerning Consumer and Community Protection in the Financial Services Sector, also regulates consumer protection in the financial services industry. Forms in policies related to regulations in the banking world ensure that the public does not worry about their personal data.
Downloads
References
Ahadi, L. M. A. (2022). Efektivitas hukum dalam perspektif filsafat hukum: Relasi urgensi sosialisasi terhadap eksistensi produk hukum. Jurnal USM Law Review, 5(1), 110–127.
Amir, M. F. (2021). Referensi 6. Al-Amwal: Journal of Islamic Economic Law, 5(1), 59–71.
Aritonang, L. M., Zyetwill, Z., & Handayani, R. (2025). Analisis hukum terhadap kebocoran data pribadi dan penyalahgunaan identitas dalam perbankan berdasarkan Undang-Undang Nomor 27 Tahun 2022 tentang perlindungan data pribadi. Ranah Research: Journal of Multidis-ciplinary Research and Development, 7(5), 3146–3158. https://doi.org/10.38035/rrj.v7i5.1665
Aziz, M. F., & S, S. A. (2025). Perlindungan hukum terhadap nasabah atas penyalahgunaan data pribadi oleh pihak bank di era digitalisasi perbankan, 8840–8852.
Kholis, I. M. (2025). Perlindungan data pribadi dan keamanan siber di sektor perbankan: Studi kritis atas penerapan UU PDP dan UU ITE di Indonesia. Staatsrecht: Jurnal Hukum Kenegaraan dan Politik Islam, 4(2), 275–299. https://doi.org/10.14421/t5sfe747
Azmi, M. N. A., Saifudin, H., Purba, C. T., Suryaningtyas, A., & Situmorang, U. S. (2024). Analisa kasus kebocoran data pada Bank Indonesia dalam sistem perbankan. Jurnal Multidisiplin Ilmu Akademik, 1(6), 448–458. https://doi.org/10.61722/jmia.v1i6.3267
Nathasya, H. (2024). No title. Edu Research Indonesian Institute for Corporate Learning and Studies (IICLS), 5(1), 70–80.
Novarianti, W. D., Meliala, A. P. P. S., Yusuf, N. A. S., & Melati, B. N. C. (2025). Kerahasiaan bank vs hak atas informasi: Mengurai konflik kepentingan dalam perlindungan data pribadi. Jurnal Multidisiplin Ilmu Akademik, 2(1), 103–114. https://doi.org/10.61722/jmia.v2i1.3180
Nugraha, F. S., Njatrijani, R., Studi, P., Ilmu, S., Hukum, F., & Diponegoro, U. (2016). Antara lain meliputi anjungan tunai, perubahan personal identification number (PIN), alamat rekening atau. 5(11), 1–13.
Nurdin, A. R. (2018). Kajian peraturan perlindungan konsumen di sektor perbankan. Jurnal Hukum & Pembangunan, 48(2), 299–312. https://doi.org/10.21143/jhp.vol48.no2.1665
Ali, Y. N., Roesli, M., & Nugroho, B. (2025). Perlindungan hukum terhadap nasabah bank berkaitan dengan menjaga rahasia oleh bank. PESHUM: Jurnal Pendidikan, Sosial dan Humaniora, 4(6), 8943–8952. https://doi.org/10.56799/peshum.v4i6.11871
Pemerintah Pusat. (2022). Undang-Undang Nomor 27 Tahun 2022 tentang pelindungan data pribadi. https://peraturan.bpk.go.id/Download/224884/UU%20Nomor%2027%20Tahun%202022.pdf
Rahmadani, A. E., Pangestu, Y., & Halizhah, N. (2024). Perlindungan data pribadi di era digital: Tantangan dan solusi dalam sistem perbankan. Media Hukum Indonesia, 2(4), 180–186. https://doi.org/10.5281/zenodo.14060556
Tarigan, H. A. A. B., & Paulus, D. H. (2019). Perlindungan hukum terhadap nasabah atas penyelenggaraan layanan perbankan digital. Jurnal Pembangunan Hukum Indonesia, 1(3), 294–307. https://doi.org/10.14710/jphi.v1i3.294-307
Udayana, U., Klod, D. P., & Denpasar, K. (2025). Analisis regulasi perlindungan data pribadi. Jurnal Media Akademik (JMA), 3(7), 1–13.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 International Journal of Social Welfare and Family Law
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
