Wagiman (2022) “Excess EXCESS AND LEGAL DAMAGES OF PEER-TO-PEER LENDING (P2PL): EXCESS AND LEGAL DAMAGES OF PEER-TO-PEER LENDING (P2PL)”, JURNAL PENGABDIAN MANDIRI, 1(11), pp. 2147–2156. Available at: https://mail.bajangjournal.com/index.php/JPM/article/view/3909 (Accessed: 6 July 2025).