C. Bagenda and C. H. . Carbonilla, “The Urgency of Using YouTube Channels as Loan Collateral: Orientation and Limitations from a Progressive Legal Perspective: Urgensi Penggunaan Channel YouTube Sebagai Jaminan Utang: Orientasi dan Limitasi dalam Persepektif Hukum Progresif”., ijins, vol. 24, p. 10.21070/ijins.v25i.976, Nov. 2023.