Insan, A., & Nur Rohmad Nuzil. (2025). The Influence of Financial Literacy and Market Orientation on Sustainable Business Competitiveness in Improving UMKM Performance (Study on MSMEs in Malang City). Al-Kharaj: Journal of Islamic Economic and Business, 7(2). https://doi.org/10.24256/kharaj.v7i2.7414