Hadi Badjeber FHB, 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" . TIFBR [Internet]. 2026Jun.11 [cited 2026Jun.11];20(1):1-28. Available from: https://tifbr-tazkia.org/index.php/TIFBR/article/view/490