MANIHURUK, Frido Evindey; SIHOMBING, Theresia; PURBA, Bonaraja. The Influence of Consumer Legal Literacy, Digital Contract Transparency, and Fear of Debt on Decisions to Use Online Loan Services: Pengaruh Literasi Hukum Konsumen, Transparansi Kontrak Digital, dan Ketakutan Terjerat Utang terhadap Keputusan Menggunakan Layanan Pinjaman Online . JAKADARA: JURNAL EKONOMIKA, BISNIS, DAN HUMANIORA, [S. l.], v. 4, n. 2, p. 269–282, 2025. Disponível em: https://jurnal.undhirabali.ac.id/index.php/jakadara/article/view/4051. Acesso em: 27 sep. 2025.