Pardani, R. R., and F. Kwarto. “Fintech Peer-to-Peer Lending (P2PL): A Long-Term Microeconomic Finance Problem in Indonesia”. JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES, vol. 4, no. 3, May 2025, pp. 578-96, doi:10.55047/marginal.v4i3.1685.