Suhdi, Suhdi, dkk. “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, vol. 1, no. 2, Desember 2025, hlm. 120-33, https://journal-attamwil.com/index.php/about/article/view/22.