SALSABILLA, D.; ROFIANI, S. A.; WAHJONO, S. I. Strategi Pemanfaatan P2P Lending bagi UKM untuk Meningkatkan Akses Pembiayaan. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 676–688, 2025. DOI: 10.31004/joecy.v5i2.238. Disponível em: https://joecy.org/index.php/joecy/article/view/238. Acesso em: 17 oct. 2026.