UNA, B. K.; CESILIA ARUM SEPTIANINGSIH; PUTRI RATNASARI; ANDI URFIA AWALIAH. Penipuan Pinjaman Online di Indonesia: Modus Pelaku dan Strategi Pencegahan. Journal of Innovative and Creativity (Joecy), [S. l.], v. 5, n. 2, p. 16667–16675, 2025. DOI: 10.31004/joecy.v5i2.2736. Disponível em: https://joecy.org/index.php/joecy/article/view/2736. Acesso em: 14 oct. 2026.