Perlindungan hukum nasabah perbankan terhadap data dalam sistem layanan informasi keuangan
Penerbit : FH - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Siti Nurbaiti
Kata Kunci : Legal Protection
Status Posting : Published
Status : Lengkap
| No. | Nama File | Hal. | Link |
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| 1. | 2026_SK_SHK_010002200052_Halaman-Judul.pdf | ||
| 2. | 2026_SK_SHK_010002200052_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2026_SK_SHK_010002200052_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2026_SK_SHK_010002200052_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2026_SK_SHK_010002200052_Lembar-Pengesahan.pdf | 1 | |
| 6. | 2026_SK_SHK_010002200052_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2026_SK_SHK_010002200052_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2026_SK_SHK_010002200052_Bab-1.pdf | ||
| 9. | 2026_SK_SHK_010002200052_Bab-2.pdf |
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| 10. | 2026_SK_SHK_010002200052_Bab-3.pdf |
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| 11. | 2026_SK_SHK_010002200052_Bab-4.pdf |
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| 12. | 2026_SK_SHK_010002200052_Bab-5.pdf | ||
| 13. | 2026_SK_SHK_010002200052_Daftar-Pustaka.pdf | ||
| 14. | 2026_SK_SHK_010002200052_Lampiran.pdf |
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P Perkembangan digitalisasi sektor perbankan mendorong penggunaan sistem layanan informasi keuangan (slik) yang dikelola oleh otoritas jasa keuangan sebagai sarana penyediaan informasi debitur. dalam praktiknya, masih ditemukan kesalahan pencatatan data yang dapat mengakibatkan kerugian bagi nasabah, seperti penolakan kredit dan terganggunya reputasi keuangan. penelitian ini membahas dua pokok permasalahan, yaitu bagaimana pengaturan data dalam sistem layanan informasi keuangan serta bagaimana perlindungan hukum terhadap nasabah perbankan atas data dalam sistem layanan informasi keuangan. penelitian menggunakan metode penelitian hukum normatif yang bersifat deskriptif analitis dengan menggunakan data sekunder sebagai data utama yang didukung data primer melalui wawancara. data diperoleh melalui studi kepustakaan terhadap peraturan perundang-undangan, buku, jurnal, putusan pengadilan, dan dianalisis secara kualitatif dengan penarikan kesimpulan secara induktif. hasil penelitian menunjukkan bahwa pengaturan data slik diatur dalam undang-undang perbankan, undang-undang perlindungan konsumen, undang-undang pengembangan dan penguatan sektor keuangan, serta peraturan ojk mengenai pelaporan dan permintaan informasi debitur. perlindungan hukum bagi nasabah diberikan melalui perlindungan preventif berupa pengaturan hak, kewajiban, prinsip kehati-hatian, serta mekanisme koreksi data, dan perlindungan represif melalui penyelesaian sengketa serta pertanggungjawaban bank apabila terjadi kesalahan atau kelalaian dalam pengelolaan data yang mengakibatkan kerugian bagi nasabah.
T The digitalization of the banking sector has accelerated the implementation of the financial information service system (sistem layanan informasi keuangan/slik), administered by the financial services authority (otoritas jasa keuangan/ojk), as a platform for providing debtor information. in practice, however, inaccuracies in data recording continue to occur, resulting in adverse consequences for customers, including credit application rejections and damage to their financial reputation. this study examines two principal issues: (1) the legal framework governing data within the financial information service system, and (2) the legal protection afforded to banking customers concerning data maintained within the financial information service system. this research employs a normative legal research method with a descriptive-analytical approach, utilizing secondary data as the primary source, supplemented by primary data obtained through interviews. the data were collected through library research involving legislation, books, academic journals, and court decisions, and were analyzed qualitatively using an inductive method of reasoning. the findings indicate that the regulation of data within the financial information service system is governed by the banking law, the consumer protection law, the law on the development and strengthening of the financial sector, and financial services authority regulations concerning debtor information reporting and requests. legal protection for banking customers is provided through preventive measures, including the regulation of rights and obligations, the application of the prudential principle, and mechanisms for data correction, as well as repressive measures through dispute resolution and bank liability in cases of errors or negligence in data management that result in losses to customers.