• editor@ijmra.in
  • ISSN[Online] : 2643-9875  ||  ISSN[Print] : 2643-9840

Volume 06 Issue 12 December 2023

Protection of Bank Customers in Savings Account Hacking Through Illegal Links
1Muhamad Shafwan Afif, 2Yansiska, 3Theresia Anita Christiani
1,2Students Of Magister Of Law Program, Universitas Atma Jaya Yogyakarta, Indonesia
3Lecture Of Faculty Of Law Program, Universitas Atma Jaya Yogyakarta, Indonesia
DOI : https://doi.org/10.47191/ijmra/v6-i12-72

Google Scholar Download Pdf
ABSTRACT:

Research regarding the protection of bank customers in savings account hacking through illegal links aims to determine legal protection for bank customers who are victims of burglary of savings accounts via illegal links based on the Indonesian ius constitutum. Customers are important people in the banking world and the security of both their data and savings must be maintained, however, there are still many irresponsible individuals who steal bank customer data through any application. The results of this research are that there is no ius constitutum regarding burglary via illegal links, but currently what can be used as legal protection for bank customers who are victims of cases of burglary of savings accounts via illegal links is Article 52 paragraph (2) of Law Number 10 of 1998 concerning Banking, then Article 28 paragraph (1) of Law Number 11 of 2008 concerning Information and Electronic Transactions, Article 362 of Law Number 1 of 1946 concerning Regulations on Criminal Law (KUHP).

KEYWORDS:

Law, Bank, Account Hacking, Illegal Links

REFERENCES
1) Choirul Anam, “E-Money (Uang Elektronik) Dalam Perspektif Hukum Syari’ah”, Jurnal Qawanin 2, no.1 (2018): 95-112.

2) Republik Indonesia, “Surat Edaran Otoritas Jasa Keuangan (SE-OJK) Nomor 4 tahun 2014 Tentang Kerahasiaan Dan Keamanan Data Dan/atau Informasi Pribadi Konsumen.

3) Jogja aja, “Begini Ragam Penipuan Nasabah Bank Via Klik Link di WA dan Cara Menghindarinya”, https://jogjaaja.com/read/begini-ragam-penipuan-nasabah-bank-via-klik-link-di-wa-dan-cara-menghindarinya, 26 September 2023, jam 21.38 WIB.

4) Denza Perdana, “Modus Bahaya Link WhatsApp Bobol Rekening Nasabah hingga Miliaran Rupiah”, https://www.detik.com/jatim/hukum-dan-kriminal/d-6823700/modus-bahaya-link-whatsapp-bobol-rekening-nasabah-hingga-miliaran-rupiah, 26 September 2023, jam 22.00 WIB.

5) CNN, “4 Kasus Kebocoran Data Semester I 2023, Mayoritas Dibantah”, https://www.cnnindonesia.com/teknologi/20230720060802-192-975421/4-kasus-kebocoran-data-di-semester-i-2023-mayoritas-dibantah, 18 September 2023, jam 23.30 WIB.

6) Galuh Putri Riyanto, “Data Nasabah BSI Diduga Disebar Hacker, Kominfo Bicara Soal Ancaman Sanksi”, https://tekno.kompas.com/read/2023/05/16/11340077/data-nasabah-bsi-diduga-disebar-hacker-kominfo-bicara-soal-ancaman-sanksi, 19 September 2023, jam 13.30 WIB.

7) Nadiah Octavia Fanany, “Perlindungan Hukum Terhadap Data Pribadi Nasabah Bank (Studi Kasus di PT Bank Jatim Cabang Kota Mojokerto)”, Dinamika, Jurnal Ilmiah Ilmu Hukum 26, no. 2 (2020): 136-146.

8) Jefry Tarantang, Ibnu Elmi A.S. Pelu, Wahyu Akbar, Rahmad Kurniawan, dan Aldina Sri Wahyuni, “Perlidungan Hukum Terhadap Nasabah Bank Dalam Transaksi Digital”, Morality : Jurnal Ilmu Hukum 9, no. 1 (2023): 15-25.

9) Sudjana, “Pembocoran Rahasia Bank Sebagai Pelanggaran Hak Privasi dan Data Pribadi Elektronik Nasabah Bank”, Refleksi Hukum 6, no. 2 (2022): 247-266.

10) Dr. Jonaedi Efendi, & Prof. Dr. Johnnya Ibrahim, Metode Penelitian Hukum Normatif Dan Empiris (Depok: Prenadamedia Group, 2018). Hlm 123.

11) Heri Retnawati, Analisis Kuantitatif Instrumen Penelitian (Panduan Penelitani, Mahasiswa, dan Psikometrian) (Yogyakarta: Parama Publishing, 2016), Hlm 41.

12) Mario Julyano dan Aditya Yuli Sulistyawan, “Pemahaman Terhadap Asas Kepastian Hukum Melalui Konstruksi Penalaran Positivisme Hukum”, Jurnal Crepido 1, no. 1 (2019): 13-22.

13) E. Fernando M. Manullang, Legisme,Legalitas dan Kepastian Hukum (Jakarta: Kencana, 2017), Hlm 159.

14) Oemar Moechthar, Eksistensi, Fungsi, Dan Tujuan Hukum Dalam Pespektif Teori dan Filsafat Hukum (Jakarta: Kencana, 2020), Hlm 87.

15) Muhamad Shafwan Afif, dan Heru Sugiyono, “Perlindungan Hukum Bagi Pemegang Merek Terkenal Di Indonesia”, Jurnal USM Law Review 4, no. 2 (2021): 565- 585.

16) Dr. Budi Pramono, Sosiologi Hukum (Surabaya: Scopindo Media Pustaka, 2020), Hlm 26.

17) Nailah Artanti, Annisa Nurbaiti, dan Wahdan Arum Inaati, “Pengaruh Tekanan Eksternal, Ketidakefektifan Pemantauan, Opini Auditm Dan Pergantian Direksi Terhadap Kecurangan Laporan Keuangan (Studi Pada Perusahaan Keuangan Sub Sektor Perbankan Periode 2016-2020) ”, E-Proceeding of management 10, no. 2 (2023): 1476-1484.

18) Prof. Dr. Peter Mahmud Marzuki, Teori Hukum (Jakarta: Kencana, 2020), Hlm 30.

19) Salsabila Putrianda, “Analisis Hukum Terhadap Perlindungan Nasabah Dalam Menggunakan Internet Banking Di Indonesia (Studi Kasus Bank X)”, Dharmasisya 2, no. 3 (2022): 1469-1478.

20) Republik Indonesia, “Peraturan Bank Indonesia Nomor 9 Tahun 2007 Tentang Penerapan Manajemen Risiko Dalam Penggunaan Teknologi informasi Oleh Bank umum.

21) Apriani Rani, Grasia Kurniawati, Devi Siti, dan Hamzah Marpaung, “Perlindungan Hukum Nasabah Bank Dalam Hal Terjadinya Kesalahan Sistem Yang Mengakibatkan Perubahan Saldo Nasabah”, Syiar Hukum Jurnal Ilmu Hukum 18, no. 2 (2020): 135-150.

22) Republik Indonesia, “Peraturan Pemerintah Nomor 71 Tahun 2019 Tentang Penyelenggaraan Sistem Dan Transaksi Elektronik”, Pasal 100 ayat (1).

23) Republik Indonesia, “Undang-Undang Nomor 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan”, Pasal 40 ayat (1).

24) Republik Indonesia, “Peraturan Otoritas Jasa Keuangan Nomor 11 Tahun 2022 Tentang Penyelenggaraan Teknologi Informasi Oleh Bank Umum”, Pasal 44 ayat (1).

25) Republik Indonesia, “Undang-Undang Dasar Negara Republik Indonesia Tahun 1945”, Pasal 28 G ayat (1).

26) Republik Indonesia, “Undang-Undang Nomor 27 Tahun 2022 Tentang Perlindungan Data Pribadi”, Pasal 10 ayat (1).

27) Akbar Galih Hariyono, dan Frans Simangunsong, “Perlindungan Hukum Korban Pencurian Data Pribadi (Phising Cybercrame) Dalam Perspektif Kriminologi, Bureaucracy Journal:Indonesia Journal of Law and Social-Political Governance 3, no 1 (2023): 428-439.

28) Ahmad Martani, Saripuddin M, dan Nurul Ikhsan, “Design and Build a Company Profile Website Based on the Bootstrap Framework and Code Igniter Framework At The Foundation Independent Scholar Caliph”, Jurnal Multidisiplin Madani 2, no.6 (2022): 2895-2912.

29) Farih Maulana Sidik, “ Bareskrim Ungkap Peran 13 Penipu Modus Kirim APK-Link yang Kurang 493 Rekening”, https://news.detik.com/berita/d-6524267/bareskrim-ungkap-peran-13-penipu-modus-kirim-apk-link-yang-kuras-493-rekening, 11 Oktober 2023, 20.45 WIB.

30) Anton Hendrik Samudra, “Modus Operandi Dan Problematika Penanggulangan Tindak Pidana Penipuan Daring”, Mimbar Hukum 31, no.1 (2019): 59-74.

31) MOHD.Yusuf Dm, Addermi, dan Jasmine Lim, “Kejahatan Phising dalam Dunia Cyber Crime dan Sistem Hukum di Indonesia”, Jurnal Pendidikan 4, no.5 (2022): 8018-8023.
Volume 06 Issue 12 December 2023

There is an Open Access article, distributed under the term of the Creative Commons Attribution – Non Commercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting and building upon the work for non-commercial use, provided the original work is properly cited.


Our Services and Policies

Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected.

The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.

International Journal of Multidisciplinary Research and Analysis will publish 12 monthly online issues per year,IJMRA publishes articles as soon as the final copy-edited version is approved. IJMRA publishes articles and review papers of all subjects area.

Open access is a mechanism by which research outputs are distributed online, Hybrid open access journals, contain a mixture of open access articles and closed access articles.

International Journal of Multidisciplinary Research and Analysis initiate a call for research paper for Volume 07 Issue 05 (May 2024).

PUBLICATION DATES:
1) Last Date of Submission : 26 May 2024 .
2) Article published within a week.
3) Submit Article : editor@ijmra.in or Online

Why with us

International Journal of Multidisciplinary Research and Analysis is better then other journals because:-
1 : IJMRA only accepts original and high quality research and technical papers.
2 : Paper will publish immediately in current issue after registration.
3 : Authors can download their full papers at any time with digital certificate.

The Editors reserve the right to reject papers without sending them out for review.

Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected. The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.

Indexed In
Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar Avatar