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2025 Oct 15.  EFFICIENCY AND EFFECTIVENESS OF NON-CASH PAYMENT METHOD USING QRIS ON FINANCIAL MANAGEMENT FOR MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) A CASE STUDY IN MERJOSARI SUB-DISTRICT, LOWOKWARU, MALANG. Proceedings of the International Conference of Islamic Economics and Business (ICONIES). [Online] 11:1