The Terror Of Illegal Online Loans And The Phenomenon Of The Iceberg Of Personal Data Theft

Cases of misuse of personal data by online loan vendors or what is commonly called pinjol are increasingly common. The average debtor complains about how to collect debt by terrorizing his relatives. Of course, this can only be done by accessing the debtor's personal data. This problem turned out to be like an iceberg phenomenon. There are still many other problems that have not been revealed from the misuse of personal data. In VOI's "Personal Data Broken" edition we will explore this issue.

Since 2016, the presence of pinjol has mushroomed in the country. This year, the number of pinjol platforms has reached more than 300. This development has occurred in line with the increase in technological innovation. The fruit, innovation is like a double-edged sword. It can make a profit at the same time can be profitable.

Dodi, a private employee, is one of those who have been persuaded by the loan. He first borrowed fresh funds online in 2016. He admitted that he was lulled by all the conveniences offered by the money-borrowing platform.

Initially Dodi admitted that he only received a loan limit of around Rp. 500 thousand to Rp. 1 million. Because he was able to pay his installments smoothly, he was presented with a larger loan quota.

The dipper was welcomed. Dodi dared to take risks. He borrowed Rp. 12 million with a total interest of Rp. 8 million. Dodi plans to use the funds to build a micro business.

Unfortunately, the new business as old as corn has been hurried by the pandemic. His efforts are running in place. In turn, this condition made his credit bad. As a result, Doni was then chased by debt collectors.

The term money doesn't know you, let alone friends, is true. Even though Dodi is known as a good paying debtor, the lending company seems to turn a blind eye when he gets into trouble.

Dodi has gone back and forth explaining to the borrowing company how its business conditions are. But to no avail. Because he was never able to pay the installments, he was finally humiliated by a debt collector from his relatives and family.

Dodi's name and photo were then spread in tones aimed at humiliation. The embarrassing attempt was even spread to Dodi's friends on social media.

“The threats are all kinds of embarrassment. This person does not pay in the form of a photo with the same name, then it is distributed to relatives via short message, WA, or social media. This photo is called this, the debt is this much. Please asked to contact the collector. That's the threat. The photo holding the E-KTP was distributed. That will bring down people's good names, ”said Dodi when contacted by VOI, Friday, April 30.

"But if I threaten to come back, they [borrow] challenge it, they say, just report that you don't pay the debt. My assumption is that they are brave like this because the collector is a third party. It is as if the debt collector division was separated from the company. "When the company is contacted, the company can easily deny that it is their debt collector," he added.

The presence of third parties, as revealed by Dodi, is indeed common in lending. The Financial Services Authority (OJK) does regulate the procedures for borrowing by using services from third parties for billing. However, a collection company must be a legal entity, have a permit from the authorized agency, have human resources, and obtain certification in the field of collection from a Professional Certification Agency in the field of collection.

However, the regulation does not explain how many third parties will be involved. In a post on the twitter account @pinjollaknat, it is explained that there is a loan company that can have up to 15 third parties. Each of them with the task of carrying out short message services, checking social media, mitigating risks, signing online and so on.

Dodi is just one example of a person whose data has been exploited. There are probably many other Dodi out there who have the same fate. And actually being embarrassed by pinjol is only part of the visible problem of misuse of data.

This is because, according to the founder of Drone Emprit, Ismail Fahmi, the danger of loaning out is even greater because other people have control over customer data. Personal data is easily faked. This is because the individuals already have complete customer data.

Because of that, when our data - such as E-KTP data - is already owned by someone else. Then, that person will be able to do anything on behalf of the debtor. Even without his knowledge.

The closest example is the data that a person can register for services such as a bank account, which is easy to set up. This means that they just have to carry a fake E-KTP. The data is the same, then his face can be replaced with the person's face. then it's still acceptable.

The account that is finished is in the name of the customer. However, the customer has no control over using it. As a result, customers can be financially disadvantaged. Other people borrow, but the customer is invoiced. Other impacts from the exploitation of personal data are no less massive.

Individuals can use the customer's name to slander, or hijack social media and so on. This problem can actually be resolved immediately if the Law on the Use of Personal Data (UU-PDP) is finalized.

"The rule is that it's the use of personal data, it is very strong if there is a UU-PDP. Before UU-PDP existed, UU-ITE should have been able to counteract this. It means that it is a transaction that is prohibited, illegal, not correct, we can actually sue it with the UU-ITE. It just happens that sometimes the loss is only 10 million, keep reporting to the police. Then the police also think that the effort to take care of it will be big, ”said Ismail Fahmi when contacted by VOI, Friday, April 30.

According to Ismail, both OJK and the police must immediately move. Because it is time for these institutions to prevent cases of misuse of personal data by borrowing from occurring.

"I think the OJK must move, the police must move, right now they feel safe ... It's OJK's job to think about it. Don't let it go later, then tell the public just to be careful. OJK has to understand so much loan because of the pandemic. But unfortunately there is no protection for them. This is a hassle, ”concluded Ismail Fahmi.