Protecting in Legal Perspective: A Study on Pornography Crimes within Online Loan Service Transactions
Mahmud Mulyadi, Rosmalinda, Nabila Afifah Salwa, Liza Hafidzah Yusuf Rangkuti, Fahrizal S Siagian, Farhans Mahendra Syam

Faculty of Law, Universitas Sumatera Utara

Abstract

There has been a continual rise in criminal cases involving the misuse and distribution of pornographic content linked to online lending service operations. Some forms of criminal violations shown including unauthorized access to clients^ personal data, which is then used as a means of extortion. The most harmful and violates human rights in the case is distributing manipulated photos or videos into pornographic content when online Lender could not pay the loan. The study employs a normative-empirical method, focusing on the analysis of relevant laws and regulations, along with law enforcement practices in a city-Medan. It reviewed Indonesia laws, (a) the Electronic Information and Transactions Law (UU ITE), (b) the Criminal Code (KUHP), and (c) the Personal Data Protection Law (UU PDP), as well as the roles of institutions like the Financial Services Authority (OJK) and law enforcement agencies. As result, legal protection for victims of illegal online lending can be achieved through criminal proceedings for defamation, dissemination of immoral or pornographic content, and extortion against perpetrators. Furthermore, this study figure out the need for stronger regulations and effective preventive measures from the government and the Financial Services Authority (OJK), as well as the psychological and legal assistance for victims. As conclusion, although the legal framework is in place, the effectiveness of law enforcement and coordination between institutions remains a major obstacle to achieving comprehensive protection and recovery for customers who are victims. As recommendation, (a) the government^s need to intervene the law concerning Law enforcement on online loan. (b) it is a must to have coordination to break the chain of operations and minimize losses to victims, on- (i) reporting mechanisms, (ii) digital investigations, and (iii) rapid blocking of illegal websites and applications.

Keywords: Legal Protection, Criminal Acts, Online Loans, Pornographic Content

Topic: Governance, Policy, and Education of Coastal Area