Kurniawanti, Regina, and Jasman Nazar. “ANALISIS SISTEM PENAGIHAN TELAT BAYAR DALAM PINJAMAN ONLINE MELALUI APLIKASI ADAKAMI”. YUSTISI 12, no. 3 (October 1, 2025): 339–354. Accessed December 15, 2025. http://150.107.142.43/index.php/YUSTISI/article/view/21618.