Perlindungan Konsumen Sektor Jasa Keuangan terhadap Pinjaman Berbasis Teknologi Informasi (Peer to Peer Lending) yang Tidak Terdaftar Resmi di Otoritas Jasa Keuangan = Financial Services Consumer Protection regarding Unofficial, Unregistered, Information Technology-based Loans and Lending Services (Peer to Peer Lending) under the Indonesian Financial Services Authority