“Eksistensi Jaminan Umum Dalam Smart Contract Peer to Peer Lending : Mendorong Pelindungan Hak Kreditor Berbasis Teknologi Informasi”, JMHU, vol. 15, no. 2, pp. 326–345, Jul. 2026, doi: 10.24843/JMHU.2026.v15.i02.p06.