Nikmatul Hikmah, Niken Lufi Anggini, and Nur Anim Jauhariyah. “DIGITAL TRANSFORMATION IN EDUCATION FINANCING: OPPORTUNITIES AND CHALLENGES IN THE ERA OF TECHNOLOGICAL DISRUPTIONS”. ICO EDUSHA, vol. 5, no. 1, Dec. 2024, pp. 132-56, https://prosiding.stainim.ac.id/index.php/prd/article/view/498.