Kohardinata, Cliff, Novrys Suhardianto, Bambang Tjahjadi, and Luky Patricia Widianingsih. “The Indonesia’s Financial Landscape: P2P Loan Growth, Bank Performance and The Covid-19 Connection”. AKRUAL: Jurnal Akuntansi 16, no. 1 (October 5, 2024): 105–120. Accessed July 4, 2025. https://journal.unesa.ac.id/index.php/aj/article/view/27612.