Hidayati, Arini, Hani Irhamdessetya, and Arista Candra Irawati. “Misuse of Personal Data in Illegal Online Loan Collection: An Analysis of Criminal Liability of Perpetrators”. The Virtual International Conference on Economics, Law and Humanities 4, no. 1 (December 29, 2025): 152–156. Accessed August 3, 2026. https://callforpaper.unw.ac.id/index.php/ICOELH/article/view/1586.