Keumala, Dinda, Setiyono Setiyono, and Muhamad Ikhwan bin Mohd Zain. “Addressing the Regulatory Gaps in Indonesian Financial Alternative Dispute Resolution”. ADLIYA: Jurnal Hukum dan Kemanusiaan 19, no. 1 (June 30, 2025): 19–38. Accessed January 12, 2026. https://www.journal.uinsgd.ac.id/index.php/adliya/article/view/44761.