Zahia, Reyna, and Surahmad Surahmad. “Legal Aspects of Failure to Pay Online Loans in Indonesia in The Use of Financial Technology”. Eduvest - Journal of Universal Studies 4, no. 11 (December 6, 2024): 10938–10947. Accessed May 17, 2025. http://www.eduvest.greenvest.co.id.submitjurnal.id/index.php/edv/article/view/43138.