Hidayatullah, Syarif, & Zuraidah Zuraidah.
" 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 (2025): 625-630. Web. 25 May. 2026