Manihuruk FE, Sihombing T, Purba B. 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 . JD [Internet]. 2025 Aug. 30 [cited 2025 Sep. 27];4(2):269-82. Available from: https://jurnal.undhirabali.ac.id/index.php/jakadara/article/view/4051