REFERENCES:

FINANCIAL RECORDS MANAGEMENT SYSTEM FOR MICRO ENTERPRISE

http://joiv.org/index.php/joiv/article/view/70/47
Yin, Y. X., Arbaiy, N., & Din, J. (2017). Financial Records Management System for Micro
Enterprise. JOIV: International Journal on Informatics Visualization, 1(4-2), 209-213.

US PATENT APPLICATION

https://patents.google.com/patent/US20100030675A1/en
Hanan, C. C., & Mohan, B. R. (2010). U.S. Patent Application No. 10/310,983.

IMPLEMENTATION OF E-INVOICES IN SMALL AND MICRO ENTERPRISES

http://www.journal.uinjkt.ac.id/index.php/signifikan/article/view/4866/3317
Palupi, C., & Darwanto, D. (2017). Transaction Cost on The Implementation of E-Invoices in Micro and
Small Enterprises. Signifikan: Jurnal Ilmu Ekonomi, 6(1), 139-158.

FORMS OF ACQUISITION

Sweet, A. P. (1953). Forms in Acquisitions Work. College & Research Libraries, 14(4), 396-401.

THE IMPACT OF MOBILE PAYMENT IN MICRO BUSINESS

Mbogo, M. (2010). The impact of mobile payments on the success and growth of micro-business: The
case of M-Pesa in Kenya. Journal of Language, Technology & Entrepreneurship in Africa, 2(1), 182-203.

METHOD AND SYSTEMS FOR PAYMENT METHOD

Rackley III, B. L., Porter, W. D., Rickman, G. M., & Cochran, K. L. (2012). U.S. Patent No. 8,121,945.
Washington, DC: U.S. Patent and Trademark Office.

ELECTRONIC PAYMENTS FOR CAHS TRANSFER PROGRAMS

Seira, E. (2010). Electronic payments of cash transfer programs and financial inclusion. Available at
SSRN 1628874.

COST AND BENEFITS OF CASH AND CASHLESS PAYMENT INSTRUMENT

Krüger, M., & Seitz, F. (2014). Costs and benefits of cash and cashless payment instruments: overview
and initial estimates. Study commissioned by the Deutsche Bundesbank. Frankfurt.
https://www.oth-aw.de/files/oth-
aw/Professoren/Seitz/the_usage_costs_and_benefits_of_cash_2014.pdf

CONSUMER CASH USAGE

Bagnall, J., Bounie, D., Huynh, K. P., Kosse, A., Schmidt, T., Schuh, S. D., & Stix, H. (2014). Consumer
cash usage: a cross-country comparison with payment diary survey data.

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2436365

absence of entry
Dijkstra, S. G., Kemp, R., & Lutz, C. (2007). 3. Do entry barriers, perceived by SMEs, affect real entry?
Some evidence from the Netherlands. Entrepreneurship, Competitiveness and Local Development:
Frontiers in European Entrepreneurship Research, 62.

The practice of other businesses in selling or producing substandard products or of low quality
but cheap that causes some threats to the survival of the company.

Cheng, H. (2012). Cheap capitalism: A sociological study of food crime in China. The British Journal of
Criminology, 52(2), 254-273.

Cut throat

https://www.essaysusa.com/article/cutthroat-competition-in-business