Mukhlisah, Ghaffar WHMA, Annisaturrahmi, Hidayat R. The Dilemma of Fintech Lending and Qris on Micro-Interest Practices in Indonesia’s Digital Ecosystem. EIMJE. 2024;2(9):668-676. Accessed August 27, 2026. https://multijournals.org/index.php/excellencia-imje/article/view/3695