Elen Karlina, Rika Lidyah. The Impact of Peer-to-Peer Lending on Conventional Commercial Bank Credit in South Sumatra (2024–2025). Escalate [Internet]. 2026 Feb. 4 [cited 2026 Feb. 20];1(03):127-34. Available from: https://journal.takaza.id/index.php/escalate/article/view/381