“Pengaruh Dinamis Fintech Peer-To-Peer Lending Dan Nilai Pasar E-Commerce Terhadap Pertumbuhan Usaha Ritel Di Indonesia 2016-2025 : Pendekatan Error Correction Model”. 2026. Community Engagement and Emergence Journal (CEEJ) 7 (6): 6134-56. https://doi.org/10.37385/ceej.v7i6.11708.