Fransiska Sinaga, Debora, Jinner Sidauruk. Legal Responsibility of Debtors for Late Repayment of Loans on the Shopee Application: Perspective of OJK Regulation No.10/PJOK.05/2022 on Information Technology-Based Joint Funding Services. JLCA [Internet]. 2025 Feb. 10 [cited 2026 Apr. 30];4(1):27-36. Available from: https://journal.formosapublisher.org/index.php/jlca/article/view/13575