D. Tobing, Rudyanti, and Ahyoanto Zadrakh Dukuy. “Legal Protection for Consumers of Information Technology-Based Joint Funding Services”. Jurnal Ilmu Hukum Tambun Bungai 10, no. 1 (July 3, 2025): 640-654. Accessed October 29, 2025. https://journal.stihtb.ac.id/index.php/jihtb/article/view/525.