TINJAUAN YURIDIS PRINSIP KERAHASIAAN DAN PRINSIP KEHATIHATIAN DALAM UPAYA PERLINDUNGAN DATA NASABAH BANK SYARIAH

FARRUN, RAVENA IDA (2024) TINJAUAN YURIDIS PRINSIP KERAHASIAAN DAN PRINSIP KEHATIHATIAN DALAM UPAYA PERLINDUNGAN DATA NASABAH BANK SYARIAH. Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

ABSTRACT: Islamic banks are financial institutions that conduct their business activities based on Sharia principles and other non-conflicting principles. As stipulated in the Banking Law and the Islamic Banking Law, the principles of confidentiality and prudence are fundamental banking principles applied in every bank's business activity to gain customer trust. The business activities of Islamic banks involve the collection of funding and lending, both of which are based on customer trust. In addition to entrusting their funds to the bank, customers also trust the bank with their sensitive personal data, which must be protected as bank confidentiality by Article 41 of the Islamic Banking Law. This research aims to examine the principles of confidentiality and prudence at Bank Syariah Indonesia in protecting customers' data in its business activities and to identify the measures that customers can take in the event of a data breach. This research employs a juridical-normative method using statutory and conceptual approaches. It utilizes primary and secondary legal materials, analyzed through descriptive qualitative analysis by reviewing literature from previous studies and conducting interviews. The research findings indicate that data breaches caused by ransomware attacks, which BSI has experienced, threaten the bank's reputation. BSI applies the principle of confidentiality for data protection to restore customer trust in every contract used to protect confidentiality. BSI also applies the principle of prudence by standardizing all banking systems used. Customers who suffer losses due to data breaches can file complaints with BSI and the Financial Services Authority (OJK) as the supervisory body, and the bank must protect customers as stipulated by regulations. Keywords: Sharia Bank, Confidentiality Principle, Prudential Principle, Consumer data protection

Item Type:

Thesis (Undergraduate)

Contributors: