MUNAZAR UMAR. REGULASI FINTECH PEER-TO-PEER LENDING DI INDONESIA: ANALISIS IMPLEMENTASI OJK. Journal of Innovation Research and Knowledge, [S. l.], v. 5, n. 9, p. 11027–11032, 2026. Disponível em: https://bajangjournal.com/index.php/JIRK/article/view/12418. Acesso em: 7 mar. 2026.