Octarina, N.F. and Hariyanto, F.D. 2026. Attributing Criminal Liability for AI-Based Credit Scoring Misuse in Digital Lending: A Juridical Qualification Analysis. Al-Risalah Jurnal Ilmu Syariah dan Hukum. (Jul. 2026), 2232–2245. DOI:https://doi.org/10.24252/al-risalah.v26i2.68664.