Warning: file_get_contents(https://ojs.journalbusiness.my/ojs.php): failed to open stream: HTTP request failed! HTTP/1.1 404 Not Found in /var/www/ojs.unud.ac.id_backup/lib/pkp/includes/functions.inc.php on line 4 Januriawan, I Gede Arya, & Ida Ayu Sukihana. " INDIKASI PRAKTIK BANK GELAP DALAM LAYANAN FINANCIAL TECHNOLOGY JENIS PEER TO PEER LENDING." Kertha Desa [Online], 8.8 (2020): 1-13. Web. 28 Aug. 2026