Hidayat, Ujang Syaiful. “BEHAVIOR IN THE USE OF THE APPLICATION SYSTEM IN SHARIA FINANCING SAVING AND LOAN COOPERATIVES IN EAST JAVA”. International Conference On Economics Business Management And Accounting (ICOEMA) 1 (August 15, 2022): 146-151. Accessed January 16, 2026. https://conference.untag-sby.ac.id/index.php/icoema/article/view/2170.