Khaeriyah, Fie, Effiyaldi Effiyaldi, Syafril Syafril, and Novia Angga Safitri. “Literature Study and Direct Participant Observation of The Impact of Online Loans on Society”. OPTIMAL Jurnal Ekonomi dan Manajemen 5, no. 1 (March 30, 2025): 82–98. Accessed April 30, 2025. https://researchhub.id/index.php/optimal/article/view/5695.