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Abstract
Introduction
Data security is a critical issue in today's digital age, exacerbated by the rampant online buying and selling of consumers’ personal data. This study focuses on the strategies employed by microfinance institutions, specifically Baitul Maal wa Tamwil (BMT), to protect member data and manage the associated risks.
Objectives
The objective of this study is to describe mitigation strategies for data protection and risk management implemented by BMTs in Lampung.
Method
This field research employs qualitative methods, including observation and interviews, which are analyzed using the inductive thinking paradigm. Data collection focuses on BMTs' risk management practices and their cooperation with commercial banks to transfer risk.
Results
The findings reveal that BMTs in Lampung have implemented effective risk-management strategies for data protection. Some BMTs transfer risk to commercial banks, a strategy known as risk transfer. Others adopt risk reduction and acceptance strategies by enhancing data security, training employees on system use, and managing existing risks to minimize business impact.
Implications
This study highlights the importance of robust data protection and risk management strategies to maintain customer trust in microfinance institutions. Effective risk mitigation ensures customer data security, thereby enhancing the credibility and sustainability of BMTs.
Originality/Novelty
This study contributes to the understanding of data security practices in microfinance institutions, particularly in the context of Islamic microfinance, by exploring practical mitigation strategies and their implementation.
Keywords
Article Details
Copyright (c) 2023 Diana Ambarwati, Hermanita Hermanita
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References
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Khan, I., & Sarkar, B. (2021). Transfer of risk in supply chain management with joint pricing and inventory decision considering shortages. Mathematics, 9(6), 638. https://doi.org/10.3390/math9060638
Khtufia, M., Novian, H. N., & Hidayah, A. F. H. (2022). Peran pelayanan aplikasi IBS Mobile dalam meningkatkan kepuasan anggota KSPPS BMT Artha Buana Metro Lampung [The role of IBS Mobile application services in increasing member satisfaction KSPPS BMT Artha Buana Metro Lampung]. Falah Journal of Sharia Economic Law, 3(2), 87–94. https://doi.org/10.55510/fjhes.v3i2.150
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Luna, S., & Pennock, M. J. (2018). Social media applications and emergency management: A literature review and research agenda. International Journal of Disaster Risk Reduction, 28, 565–577. https://doi.org/10.1016/j.ijdrr.2018.01.006
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Salim, A. (2001). Teori dan paradigma penelitian sosial [Social research theories and paradigms]. Tiara Wacana.
Saputra, A. A., Fasa, M. I., & Ambarwati, D. (2022). Islamic-based digital ethics: The phenomenon of online consumer data security. Share: Jurnal Ekonomi Dan Keuangan Islam, 11(1), 105–128. https://doi.org/10.22373/share.v11i1.11167
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References
Aswandi, R., Muchin, P. R. N., & Sultan, M. (2020). Perlindungan data dan informasi pribadi melalui Indonesian Data Protection System (IDPS) [Protection of data and personal information through the Indonesian Data Protection System (IDPS)]. Jurnal Legislatif, 3(2), 167–190. https://doi.org/10.20956/jl.v3i2.14321
Bakhri, S., Rofiq, A., & Faizun, D. (2022). Analisis faktor – faktor penggunaan aplikasi mobile dalam meningkatkan jasa layanan terhadap lembaga keuangan mikro syariah [Analysis of factors for the use of mobile applications in improving services to Islamic microfinance institutions]. Tasharruf : Journal of Islamic Economics and Business, 3(2), 73–87. https://doi.org/10.55757/tasharruf.v3i2.208
Berakon, I., Aji, H. M., & Hafizi, M. R. (2021). Impact of digital Sharia banking systems on cash-waqf among Indonesian Muslim youth. Journal of Islamic Marketing, 13(7), 1551–1573. https://doi.org/10.1108/JIMA-11-2020-0337
Bestari, N. P. (2021, September 7). Banyak data pribadi dijual di Dark Web, Harganya bikin kaget [A lot of personal data is sold on the Dark Web, the price is shocking] [HTML]. CNBC Indonesia. https://www.cnbcindonesia.com/tech/20210907115829-37-274255/banyak-data-pribadi-dijual-di-dark-web-harganya-bikin-kaget
Dermawi, H. (2016). Manajemen risiko [Risk management]. Bumi Aksara.
Dewata, Y. J., & Apriani, R. (2023). Legal protection against internet banking users (mobile banking) from cyber crime efforts. Soedirman Law Review, 5(1), 1–13. https://doi.org/10.20884/1.slr.2023.5.1.79
Fahmi, I. (2018). Manajemen risiko, teori & solusi [Risk management, theory & solutions]. Alfabeta.
Firdaus, Z. A. (2014). Mitigasi risiko pembiayaan di lembaga keuangan mikro Islam [Mitigating financing risks in Islamic microfinance institutions] [M.A. Thesis, Universitas Airlangga]. http://lib.unair.ac.id
Green, P. E. J. (2016). Introduction to risk management principles. In Enterprise risk management (pp. 1–13). Elsevier. https://doi.org/10.1016/B978-0-12-800633-7.00001-8
Hadi, J. A., Febrianti, M. A., Yudhistira, G. A., & Qurtubi, Q. (2020). Identifikasi risiko rantai pasok dengan metode house of risk (HOR) [Identification of supply chain risks with the house of risk (HOR) method]. Performa: Media Ilmiah Teknik Industri, 19(2), 85–94. https://doi.org/10.20961/performa.19.2.46388
Handayani, W., & Yusuf, M. A. (2022). Analisis dan mitigasi resiko rantai pasok dengan metode AHP dan FMEA [Analysis and mitigation of supply chain risks with AHP and FMEA methods]. Revitalisasi, 11(1), 43. https://doi.org/10.32503/revitalisasi.v11i1.2501
Hanggraeni, D., Ślusarczyk, B., Sulung, L. A. K., & Subroto, A. (2019). The impact of internal, external and enterprise risk management on the performance of micro, small and medium enterprises. Sustainability, 11(7), Article 7. https://doi.org/10.3390/su11072172
Herdiana, Y., Munawar, Z., & Indah Putri, N. (2021). Mitigasi ancaman resiko keamanan siber di masa pandemi COVID-19 [Mitigating cybersecurity risks during the COVID-19 pandemic]. Jurnal ICT : Information Communication & Technology, 20(1), 42–52. https://doi.org/10.36054/jict-ikmi.v20i1.305
Hermansyah. (2000). Hukum perbankan nasionaI Indonesia [Indonesian national banking law]. Kencana Prenada Media Group.
Jamaluddin, F. (2018). Mitigasi resiko kredit perbankan [Bank credit risk mitigation]. Al-Amwal : Journal of Islamic Economic Law, 3(1), 83–95. https://doi.org/10.24256/alw.v3i1.201
Jannah, N. K., Husainah, R. A., & Ma’shum, A. H. (2023). Analisis minat nasabah dalam penggunaan layanan mobile banking pada KSPPS BMT Bahtera Pekalongan [Analysis of customer interest in using mobile banking services at KSPPS BMT Bahtera Pekalongan]. Jurnal BANSI - Jurnal Bisnis Manajemen Akutansi, 2(2), 55–66. https://doi.org/10.58794/bns.v2i2.69
Jovanović, Z. M. (2018). Risk management in banking. Zbornik Radova Pravnog Fakulteta u Nišu, 57(81), 139–150. https://doi.org/10.5937/zrpfni1881139J
Kementerian Komunikasi dan Informatika. (2021). Persepsi Masyarakat atas Pelindungan Data Pribadi: Survei Nasional Tahun 2021 [Public Perception on Personal Data Protection: 2021 National Survey]. Kementerian Komunikasi dan Informatika.
Khan, I., & Sarkar, B. (2021). Transfer of risk in supply chain management with joint pricing and inventory decision considering shortages. Mathematics, 9(6), 638. https://doi.org/10.3390/math9060638
Khtufia, M., Novian, H. N., & Hidayah, A. F. H. (2022). Peran pelayanan aplikasi IBS Mobile dalam meningkatkan kepuasan anggota KSPPS BMT Artha Buana Metro Lampung [The role of IBS Mobile application services in increasing member satisfaction KSPPS BMT Artha Buana Metro Lampung]. Falah Journal of Sharia Economic Law, 3(2), 87–94. https://doi.org/10.55510/fjhes.v3i2.150
Koc, K., Ekmekcioğlu, Ö., & Özger, M. (2021). An integrated framework for the comprehensive evaluation of low impact development strategies. Journal of Environmental Management, 294, 113023. https://doi.org/10.1016/j.jenvman.2021.113023
Kusuma, A. C., & Rahmani, A. D. (2022). Analisis yuridis kebocoran data pada sistem perbankan di Indonesia (Studi kasus kebocoran data pada Bank Indonesia) [Juridical analysis of data leakage in the banking system in Indonesia (Case study of data leakage at Bank Indonesia)]. Supremasi: Jurnal Hukum, 5(1), 46–63. https://doi.org/10.36441/supremasi.v5i1.721
Lembaga Administrasi Negara. (2019). Modul manajemen risiko pelatihan kepemimpinan administrator [Administrator leadership training risk management module]. Lembaga Administrasi Negara.
Luna, S., & Pennock, M. J. (2018). Social media applications and emergency management: A literature review and research agenda. International Journal of Disaster Risk Reduction, 28, 565–577. https://doi.org/10.1016/j.ijdrr.2018.01.006
Lutfi, A. (2011). Analisis risiko rantai pasok dengan model house of risk (HOR) [Supply chain risk analysis with the house of risk (HOR) model] [Bachelor’s thesis, Universitas Telkom]. https://repository.telkomuniversity.ac.id/pustaka/14328/analisis-risiko-rantai-pasok-dengan-model-house-of-risk-hor-.html
Marcelliana, V., Zahra, S. M., Adzani, N. N., Massaid, H. N., Badriyyah, N., Benita, R., Sukarto, M., Fitriani, C. N., & Bayhaqi, T. A. R. (2023). Penerapan perlindungan konsumen terhadap nasabah PT. Bank Syariah Indonesia dalam kasus kebocoran data nasabah [Implementation of consumer protection for customers of PT Bank Syariah Indonesia in the case of customer data leakage]. Deposisi: Jurnal Publikasi Ilmu Hukum, 1(2), 180–194. https://doi.org/10.59581/deposisi.v1i2.577
Mutia, A. (2022, October 14). Survei: Ini produk keuangan yang dianggap rentan kebocoran data [Survey: These are the financial products considered vulnerable to data leakage] [HTML]. Databoks. https://databoks.katadata.co.id/layanan-konsumen-kesehatan/statistik/9e47e8a7538de5d/survei-ini-produk-keuangan-yang-dianggap-rentan-kebocoran-data
Nuriah, S., Rois, B., & Risnaeni, U. S. (2021). Efektivitas manajemen risiko dan hasil [Risk management effectiveness and results]. Muhasabatuna : Jurnal Akuntansi Syariah, 1(2), 1. https://doi.org/10.54471/muhasabatuna.v1i2.1262
Nurzie, F., & Apriani, R. (2021). Tanggung jawab perbankan terhadap nasabah atas kebocoran informasi pribadi nasabah bank [Liability of banks to customers for leakage of personal information of bank customers]. Jurnal Hukum To-Ra : Hukum Untuk Mengatur Dan Melindungi Masyarakat, 7(2), 227–234. https://doi.org/10.55809/tora.v7i2.6
Pujianto, A., Mulyati, A., & Novaria, R. (2018). Pemanfaatan big data dan perlindungan privasi konsumen di era ekonomi digital [Utilization of big data and consumer privacy protection in the digital economy era]. Majalah Ilmiah Bijak, 15(2), 127–137. https://doi.org/10.31334/bijak.v15i2.201
Riswandi, B. A. (2005). Aspek hukum internet banking [Legal aspects of internet banking]. PT Raja Grafindo.
Rizkinaswara, L. (2021, December 9). Kominfo lakukan survei nasional untuk gali persepsi masyarakat dan kesiapan industri atas penerapan PDP [Kominfo conducts national survey to explore public perception and industry readiness for PDP implementation] [HTML]. Ditjen Aptika. https://aptika.kominfo.go.id/2021/12/kominfo-lakukan-survei-nasional-untuk-gali-persepsi-masyarakat-dan-kesiapan-industri-atas-penerapan-pdp/
Rumlus, M. H., & Hartadi, H. (2020). Kebijakan penanggulangan pencurian data pribadi dalam media elektronik [Policy on countermeasures against theft of personal data in electronic media]. Jurnal HAM, 11(2), 285. https://doi.org/10.30641/ham.2020.11.285-299
Saleh, Abd. R. (2021). Perlindungan data pribadi dalam perspektif kebijakan hukum pidana [Personal data protection in the perspective of criminal law policy]. HUKMY : Jurnal Hukum, 1(1), 91–108. https://doi.org/10.35316/hukmy.2021.v1i1.91-108
Salim, A. (2001). Teori dan paradigma penelitian sosial [Social research theories and paradigms]. Tiara Wacana.
Saputra, A. A., Fasa, M. I., & Ambarwati, D. (2022). Islamic-based digital ethics: The phenomenon of online consumer data security. Share: Jurnal Ekonomi Dan Keuangan Islam, 11(1), 105–128. https://doi.org/10.22373/share.v11i1.11167
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