PEMANFAATAN DATA CONTACT NUMBER OLEH KREDITOR DALAM PERJANJIAN FINTECH PEER TO PEER LENDING

Hariwinarno, G Koes (2020) PEMANFAATAN DATA CONTACT NUMBER OLEH KREDITOR DALAM PERJANJIAN FINTECH PEER TO PEER LENDING. S1 thesis, Universitas Atma Jaya Yogyakarta.

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Abstract

The use of fintech peer to peer debtor personal data by lender creditors is often debated by the debtor. Whereas in the loan agreement clause, the debtor agrees to provide access to the creditor to open the debtor contact number data and even the debtor gives several contact numbers to the person closest to the debtor or in other words as the second person in charge. Personal data in the form of contact numbers was initially used by creditors to find out the truth of the debtor's identity. This study aims to analyze whether the use of debtor personal data by creditors violates the law. Moreover, this research uses a normative legal research. It is a type of research that is focusedon studying the application of norms or legal norms in a positive law. In addition, the data iscollected by a library study; primary and secondary data. The thought process used by the writer to draw conclusions is deductively. From the research, it can be concluded that the use of the debtor's personal data by the creditor is not a violation of the law because the debtor and creditor have agreed with the access and use of the debtor's personal data. The agreement agreed between the debtor and creditor is a rule for both parties, therefore the principle of Pacta Sunactervanda applies to both.

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