¹Ahus Fahmi, ²Umi Rozah

¹Master of Law, Faculty of Law, Diponegoro University, Semarang
²Lecturer Master of Law, Faculty of Law, Diponegoro University,Semarang

DOI : https://doi.org/10.47191/ijsshr/v7-i06-36

Google Scholar Download Pdf
ABSTRACT

Fintech Lending or online loans provide convenience for everyone who will borrow funds only with internet media or applications. However, with this convenience, illegal online loans have emerged which cause cyber crime in the scope of illegal online loans such as intimidation collection, extortion, fraud and even death threats and sexual harassment. This study analyzes both repressive and preventive countermeasures policies in tackling cyber crime in illegal online lending. This research uses juridical normative methods with primary materials of laws and regulations. Repressive efforts in law enforcement in cyber crimes in online loans carried out by the National Police, Prosecutors, Judges, and community agencies are influenced by legal factors, law enforcement factors, facilities or facilities factors. Preventive efforts in tackling these crimes by direct education to the community through socialization, seminars, discussions and dialogues.

KEYWORDS:

Criminal Countermeasures; Cybercrime; Illegal Online Loans

REFERENCES
1) Abdul Halim (2005). E-commerce Business: A Study of Security Systems and Law in Indonesia, Yogyakarta: Student Library.

2) Aditya Budiman,"Revealing Illegal Pinjol, West Java Regional Police Arrest 89 People." https://nasional.tempo.co/read/1517663/ungkap-pinjol-ilegal-polda-jawa-barat-tangkap-89-orang. Retrieved October 26, 2:23 PM.

3) Agus Priyonggojati (2019) Legal Protection of Loan Recipients in the Implementation of Financial Technology Based on Peer to Peer Lending, USM Law Review Journal, Vol. 2, No. 2. 165

4) Ali, Z. (2013). Legal Research Methods. Jakarta: Sinar Grafika

5) Christian Virtue. (2018). Cyber Crime Application Policy in Indonesia. Palrev Journal Of Law . Volume 1 Issue 1. 1-14

6) Cindy Mutiara, "There Have Been 3.9 Thousand Complaints of Illegal Pinjol Cases since the Start of 2023", https://databoks.katadata.co.id/datapublish/2023/06/14/ada-39-ribu-aduan-kasus-pinjol-ilegal-sejak-awal-2023-ini-tren-bulanannya. Retrieved October 25, 2023 at 22:30 WIB.

7) Emir Yanwardhana, "List of 102 OJK Legal Permit Pinjols 2023, Record Before Borrowing" CNBC Indonesia. https://www.cnbcindonesia.com/tech/20230325124251-37-424440/daftar-102-pinjol-legal-izin-ojk-2023-catat-sebelum-pinjam. Retrieved October 25, 2023 at 21:30 WIB.

8) Farah Margaretha (2015). "The Impact of Electronic Banking on Indonesian Banking Performance". Journal of Finance and Banking Vol. 19, No. 3 514-516.

9) Ibrahim, J. (2005). Theory and Methodology of Normative Legal Research. Surabaya: Bayumedia Publishing.

10) Januri, et al. (2022) Police Efforts in Combating Organized Cyber Crime. Journal of Legal Research,Vol 01 No 02, 94-100

11) Mansur, Dikdik M. Arief and Elisatris Gultom, (2005) Cyber Law: Legal Aspects of Information Technology. Bandung: Refika Aditama.

12) Miftakhur Rokhman. (2020) "Cyber Crime and its Mitigation in the Indonesian Legal System" Al-Qānūn: Journal of Islamic Legal Thought and Reform Vol. 23, No. 2.

13) Nimas Ayu. (2021) "Principles of Customer Due Diligence on Information Technology-Based Money Lending and Borrowing Services as an Effort to Prevent Money Laundering", Jurist-Diction, Vol. 4, No. 4,

14) Rahardjo, Satjipto. (2009) Good Law and Behavior is the Basis of Good Law. Jakarta: Kompas.

15) Sherlina Permata and Hendra Haryanto (2022) "Legal Protection for Shopee Pay Later Application Users," Krisna Law: Student Journal of the Faculty of Law, Krisnadwipayana University. Vol 4, No. 1. 33–47

16) Soekanto, S., &; Mamudji, S. (2009). Normative Legal Research: A Brief Review. Jakarta: Rajawali Press.

17) Soerjono Soekanto (2012) Factors Influencing Law Enforcement, Jakarta: PT RajaGrafindo Persada

18) Thomas Arifin (2018). Dare to be an entrepreneur: Succeed in business and get loans. Jakarta: PT. Gramedia Main Library.

19) Vatrischa Putri, "Task Force Pasti OJK Closes More Than 7,200 Illegal Pinjols and Fraudulent Investments" Coverage6. https://www.liputan6.com/bisnis/read/5427823/satgas-pasti-ojk-tutup-lebih-dari-7200-pinjol-ilegal-dan-investasi-bodong. Retrieved October 25, 2023 at 22:12 WIB

20) Yoyo Sudaryo and Nunung Ayu (2020). Digital Marketing and Fintech in Indonesia, Yogyakarta: Andi Publishers,

21) Zainuddin Ali (2006) Sociology of Law, Sinar Grafika, Jakarta,

Volume 07 Issue 06 June 2024