Yuserma, Mohd Ikrom, Umar Hasan, and Indriya Fathni. 2026. “Consumer Protection in the Fintech Peer-to-Peer Lending Ecosystem in Indonesia Based on the Principles of Justice and Legal Certainty”. Journal of Citizen Research and Development 3 (1):352-59. https://doi.org/10.57235/jcrd.v3i1.8478.