Wiyono, Wiyono, and Achmad Nurmandi. “Public Finance Policy on Online Loans in Indonesia”. Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara Dan Kebijakan Publik, vol. 8, no. 4, Dec. 2023, pp. 291-06, doi:10.33105/itrev.v8i4.649.