?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Zalsabilla%2C+Gita+Laksmi&rft.aufirst=Gita+Laksmi&rft.aulast=Zalsabilla&rft.inst=UPN+VETERAN+JAWA+TIMUR&rft.tpages=118&rft.degree=Masters&rft.title=Studi+Komparasi+Perlindungan+Konsumen+Dalam+Layanan+Fintech+Peer+To+Peer+Lending+Di+Indonesia+Dan+Singapura&rft.date=15+July+2026