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, [S. l.], v. 52, n. 2, p. 245–269, 2022. DOI: 10.33331/mhn.v52i2.172. Disponível em: https://mhn.bphn.go.id/index.php/MHN/article/view/172. Acesso em: 26 sep. 2026.