Raharningtyas Marditia, Putri Purbasari, and Michelle 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”. Majalah Hukum Nasional 52, no. 2 (December 23, 2022): 245-269. Accessed June 13, 2024. https://mhn.bphn.go.id/index.php/MHN/article/view/172.