“Analysis of Opportunities and Challenges of QRIS Implementation in MSMEs: A Business Owner’s Perspective” (2024) International Conference on Islamic Economics (ICIE), 1(1), hlm. 1519–1524. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2630 (Diakses: 23 September 2026).