Hidayatullah, Syarif, AND 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], Volume 11 Number 1 (15 October 2025)