KOHARDINATA, Cliff. Bridging The Gap: Peran Platform P2P Dalam Mengatasi Penjatahan Kredit bagi UMKM. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, [S. l.], v. 5, n. 4, p. 4288–4303, 2026. DOI: 10.56799/ekoma.v5i4.16251. Disponível em: https://al-haramjournal.co.id/EKOMA/article/view/16251. Acesso em: 12 aug. 2026.