Stanley, Nicklaus, Cliff Kohardinata, Luky Patricia Widianingsih, Yopy Junianto, Anastasia Filiana Ismawati, and Evi Thelia Sari. “IS P2P LENDING EMERGING AS A NEW THREAT TO BANK CREDITS?”. Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) 6, no. 1 (October 16, 2024): 1–16. Accessed February 19, 2026. https://ojs.somebut.my.id/index.php/JAEF/article/view/4630.