Kewenangan Hukum OJK Terhadap Penyalahgunaan Data Pribadi Debitur Kredivo Dalam Konsep Hifz Al-Irdh

الملخص

The Financial Services Authority (OJK) has full authority to address issues of personal data misuse on the online lending platform Kredivo. The OJK can regulate, supervise, inspect, protect consumers, and impose penalties on technology-based financial service providers (fintech) that violate personal data regulations. This is how the OJK protects registered and supervised online loan consumers—both by preventing problems and by taking action against violations. However, these protection efforts still face many obstacles. Among them are the public’s limited digital literacy, the rising prevalence of illegal online loans, the OJK’s limited supervisory staff, and loopholes in the regulations. This study also examines the significant impact of Kredivo, as a digital platform, on how it manages personal data. Because Kredivo collects and processes such a vast amount of data, there is a significant potential for that data to be misused, which could harm an individual’s dignity and rights. From an Islamic legal perspective, the management of personal data by digital platforms must be based on the principles of hifz al-‘irdh (preserving dignity) and hifz al-ma’ (preserving wealth). Therefore, protecting personal data is not only a legal obligation established by the government but also a moral responsibility that must be fulfilled in accordance with the primary objectives of Sharia.