SISTEM PENAGIHAN DEBITUR GAGAL BAYAR PINJAMAN ONLINE MELALUI EMERGENCY CONTACT, APAKAH SAH DIMATA HUKUM?. Jurnal Media Akademik (JMA), [S. l.], v. 3, n. 3, 2025. DOI: 10.62281/v3i3.1637. Disponível em: https://jurnal.mediaakademik.com/index.php/jma/article/view/1637. Acesso em: 13 jan. 2026.