Amada, Fanesa, and Kelik Wardiono. “Legal Protection for Debtors in Online Loan Transactions in the Fintech Era”. JURNAL USM LAW REVIEW 8, no. 3 (November 23, 2025): 1847–1868. Accessed July 1, 2026. https://journals.usm.ac.id/index.php/julr/article/view/12975.