Mubarok, M. and Purnamasari, P. 2025. THE IMPACT OF ONLINE SALES AND QRIS ON UMKM INCOME WITH FINANCIAL LITERACY AS A MEDIATING VARIABLE: A STUDY OF CULINARY UMKMS IN MALANG CITY. Journal of Management : Small and Medium Enterprises (SMEs). 18, 2 (Jul. 2025), 967-980. DOI:https://doi.org/10.35508/jom.v18i2.19999.