IKRAR NUSA BHAKTI; YULI CHOMSATU SAMROTUN; DIMAS ILHAM NUR ROIS. Efisiensi Transaksi Pembayaran Digital Berbasis QRIS pada Warmindo di Sekitar UMS. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 5, n. 12, p. 4690–4697, 2024. DOI: 10.47467/elmal.v5i12.4606. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/4606. Acesso em: 10 may. 2026.