?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Muhammad+Nashrudin+Hanif%2C+NIM.%3A+19108020030&rft.aulast=Muhammad+Nashrudin+Hanif&rft.aufirst=NIM.%3A+19108020030&rft.degree=Skripsi&rft.date=8+January+2024&rft.title=DETERMINASI+KEPUTUSAN+MENGGUNAKAN+PEMBAYARAN+ELEKTRONIK+(QRIS)+PADA+UMKM&rft.inst=UIN+SUNAN+KALIJAGA+YOGYAKARTA&rft.tpages=137