Sinaga, O., M. Yusuf, and D. Ramdani. “Legal Protection for Consumers Against Illegal Online Lending Practices: A Normative-Empirical Study in West Java, Indonesia”. Journal of Law, Social Science and Humanities, vol. 4, no. 1, Aug. 2026, pp. 323-8, https://myjournal.or.id/index.php/JLSSH/article/view/646.