Lalu Sopian Hidayat and Lalu Hamdani Husnan 2026. The Influence of Financial Technology and Financial Literacy Towards Financial Inclusion in Rural Communities Padamara, Sukamulia District, East Lombok Regency. Al-Kharaj: Journal of Islamic Economic and Business. 8, 2 (May 2026). DOI:https://doi.org/10.24256/kharaj.v8i2.10156.