Suhdi, Suhdi, Moh Khozairi, Nor Hasin, dan Ach Hendik. 2025. “Consumer Protection and Sharia Compliance in P2P Lending Services: An Analysis of Risks, Regulations, and Ethics in the Use of SPayLater Among University Students”. Attamwil: Jurnal Kajian Ekonomi Islam 1 (2):120-33. https://journal-attamwil.com/index.php/about/article/view/22.