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P. P. Raharningtyas Marditia and M. Widjaja, “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.