“SISTEM PENAGIHAN DEBITUR GAGAL BAYAR PINJAMAN ONLINE MELALUI EMERGENCY CONTACT, APAKAH SAH DIMATA HUKUM?”. Jurnal Media Akademik (JMA) 3, no. 3 (March 9, 2025). Accessed January 13, 2026. https://jurnal.mediaakademik.com/index.php/jma/article/view/1637.