Putra, Tegar Harbriyana, et al. “Reconstruction of Criminal Law Regarding Consumer Protection in Peer-to-Peer (P2P) Lending Services in Indonesia, Concerning Balancing Rights and Responsibilities in the Digital Era Based on Pancasila Justice”. Journal of Legal and Cultural Analytics , vol. 5, no. 2, May 2026, pp. 339-48, doi:10.55927/jlca.v5i2.16703.