by Sokarina, Ayudia, Arifin, Rosyid
Published in IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam (04.07.2019)

by Perdana, Sukma, Arifin, Rosyid
Published in Manajemen & Bisnis Jurnal (08.04.2019)

by Harmadji, Dwi Ekasari, Yuliana, Rachma, Arifin, Rosyid, Putri, Ayu Kemala
Published in Jurnal Keuangan dan Perbankan Universitas Merdeka Malang (11.08.2022)

by Sugiarto, Bambang, Arifin, Muhammad Rosyid, Laluma, Riffa Haviani, Prakasa, Esa, Gunawansyah, Azwar, Ade Geovania
Published in 2020 14th International Conference on Telecommunication Systems, Services, and Applications (TSSA (04.11.2020)

by Savitri, Peti, Solihin, Hanhan H., Rahayu, Riska, Arifin, Muhammad Rosyid
Published in Jurnal Manajemen Informatika (JAMIKA) (31.10.2018)