Khotibul Umam, Faruq, U., Adita, S., Nadya Apriza Azizi and Husayn, H. (2026) “QRIS Implementation in Muslim MSMEs: Opportunities and Challenges for Digital Financial Inclusion in Pamekasan”, Sharia Economic and Management Business Journal (SEMBJ), 7(3), pp. 1-10. doi: 10.62159/sembj.v7i3.1902.