HADI BADJEBER, F. H. B.; HASANAH, U. .; NOVAL; R. MANGGE, I.; IKBAL, M. The Influence of Financial Literacy, Financial Inclusion, and Social Environment on the Decision to Use QRIS by "MSMEs" . Tazkia Islamic Finance and Business Review, [S. l.], v. 20, n. 1, p. 1–28, 2026. DOI: 10.30993/tifbr.v20i1.490. Disponível em: https://tifbr-tazkia.org/index.php/TIFBR/article/view/490. Acesso em: 11 jun. 2026.