ASTAWA, I. P.; DUBE, K. .; NDIKUMANA , C. . Fintech and Financial Inclusion: A Study on the Role of P2P Lending Platforms for Unbanked MSMEs (UMKM) in Indonesia. Journal of Social Science Utilizing Technology, [S. l.], v. 3, n. 4, p. 165–174, 2025. DOI: 10.70177/jssut.v3i4.2831. Disponível em: https://research.adra.ac.id/index.php/jssut/article/view/2831. Acesso em: 27 apr. 2026.