SISTEM PENAGIHAN DEBITUR GAGAL BAYAR PINJAMAN ONLINE MELALUI EMERGENCY CONTACT, APAKAH SAH DIMATA HUKUM?. JMA [Internet]. 2025 Mar. 9 [cited 2026 Jan. 13];3(3). Available from: https://jurnal.mediaakademik.com/index.php/jma/article/view/1637