Kohardinata, Cliff, Novrys Suhardianto, and Bambang Tjahjadi. “Peer-to-Peer Lending (P2P) As Disruptive, But Complementary in Covid-19 Exogenous Shock”. Business: Theory and Practice 25, no. 1 (April 30, 2024): 241–251. Accessed November 24, 2024. https://jbem.vgtu.lt/index.php/BTP/article/view/16584.