“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”, maj. huk. nas., vol. 52, no. 2, pp. 245–269, Dec. 2022, doi: 10.33331/mhn.v52i2.172.