“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), pp. 6134–6156. doi:10.37385/ceej.v7i6.11708.