Model of Regulation for Personal Data Protection of Online Loan Consumers Based on Maqasid Syariah and Personal Data Protection Law No. 27 of 2022

Rahmat Setiyadi; Ilham Abdi Prawira; Cici Sundari; Herri Novealdi

Authors

Rahmat Setiyadi UIN Sulthan Thaha Saifuddin Jambi
Ilham Abdi Prawira Sultan Thaha Saifuddin State Islamic University of Jambi
Cici Sundari Sultan Thaha Saifuddin State Islamic University of Jambi
Herri Novealdi Sultan Thaha Saifuddin State Islamic University of Jambi

Keywords:

Personal Data, Online Loans, Consumer Protection, Maqasid Syariah, PDP Law.

Abstract

This study aims to analyze the Model of Regulation for the Protection of Personal Data of Online Loan Consumers Based on Maqasid Syariah and the No. 27 Of 2022 Personal Data Protection Law. This research employs a qualitative method with a normative juridical approach, utilizing primary data in the form of the PDP Law, as well as secondary data from social media and relevant journals. The analysis was carried out using NVivo 12 Plus to systematically process qualitative data through word, frequency, and attribute analysis. The study's results demonstrate that the PDP Law provides a robust legal framework for protecting the rights of data subjects, including the right to privacy, security, and control over their personal data. This law emphasizes that online loan providers are required to obtain the user's explicit consent before processing their data (Articles 15–20) and provide consumers with the right to access, correct, or delete their personal data (Article 16). The PDP Law also provides for administrative and criminal sanctions for violations, including hefty fines and imprisonment (Articles 57–63), to ensure transparent, fair, and accountable data management. From the perspective of Maqasid Sharia, the protection of personal data aligns with the principles of hifz al-nafs (protection of life), hifz al-'aql (protection of reason), and, in particular, hifz al-'irdh (protection of honor). Violations of personal data are viewed as a violation of human honor and dignity, which is contrary to the values of Justice and benefit in Sharia. Thus, the protection of personal data of borrowed consumers reflects the synergy between positive law and Islamic ethical principles.

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