SARI, Yuliana Indah; 						FARADINA, Felly; 						ERLINA, Erlina.
Kelebihan, Kelemahan, dan Hambatan Penggunaan Pinjaman Online (Peer To Peer Lending) Bagi  UMKM dalam Perspektif Hukum Financial Technology.
<strong></strong>, [S.l.], v. 11, n. 1, p. 44-56, june 2025.
Available at: &lt;<a href="https://jurnal.upgriplk.ac.id/index.php/morality/article/view/981" target="_new">https://jurnal.upgriplk.ac.id/index.php/morality/article/view/981</a>&gt;. Date accessed: 27 nov. 2025.
doi: <a href="http://dx.doi.org/10.52947/morality.v11i1.981">http://dx.doi.org/10.52947/morality.v11i1.981</a>.