Astawa, I. P., K. . Dube, and C. . Ndikumana. “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, vol. 3, no. 4, Aug. 2025, pp. 165-74, doi:10.70177/jssut.v3i4.2831.