Stefani Marina Palimbong and Mince Batara 2026. The Role of Culture in Moderating the Influence of Financial Literacy and the Performance of SMEs in North Toraja Regency. Al-Kharaj: Journal of Islamic Economic and Business. 8, 3 (Jul. 2026). DOI:https://doi.org/10.24256/kharaj.v8i3.9948.