“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 52, no. 2 (December 23, 2022): 245–269. Accessed September 26, 2026. https://mhn.bphn.go.id/index.php/MHN/article/view/172.