RAHARNINGTYAS MARDITIA, P. P.; WIDJAJA, M. MODEL PERTANGGUNGJAWABAN KREDITUR PINJAMAN ONLINE KEPADA PEMILIK KONTAK SELULER (NON DEBITUR) ATAS AKSES ILEGAL PADA KONTAK DEBITUR: Online Loan Creditors Responsibility Model to Phone Number Owners (Non-Debtors) for Illegal Access to Debtor Contacts. Majalah Hukum Nasional, v. 52, n. 2, p. 245-269, 23 Dec. 2022.