LEGAL PROTECTION FOR EMERGENCY CALL PARTIES RELATED TO UNFULFILLED ACHIEVEMENTS IN FINANCIAL TECHNOLOGY TRANSACTIONS BASED PEER TO PEER LENDING

ENINA WIKA VETRICHA WULANDARI, SILVIA ANITA AZMI (2021) LEGAL PROTECTION FOR EMERGENCY CALL PARTIES RELATED TO UNFULFILLED ACHIEVEMENTS IN FINANCIAL TECHNOLOGY TRANSACTIONS BASED PEER TO PEER LENDING , SKRIPSI, UNIVERSITAS PRIMA INDONESIA

ABSTRAK

Currently, technology is developing rapidly with the latest innovations, one of them in the field of financial services. With the advent of peer to peer lending-based financial technology in the form of online loan provider services using only smartphones, and the way of submission is quite easy. However, behind an easy submission, there is considerable interest and even if the debtor can’t pay off the loan, the creditor will take a unilateral decision by disseminating the personal dat of the debtor. Many people complain about the distribution of personal data without permission from the owner. Before making a loan, the debtor must complete the requirements in making online loan applications such as identity card, selfie with identity card, job data, cellphone numbers, to emergency calls as guarantor. It isn’t only the borrower's personal data that is misused, even the privacy rights of emergency calls are often misused by online loan service providers. This research was conducted to review the legal protection of emergency call parties who are used as guarantor, by the debtor, without the approval of the emergency call, in the online loan application.

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