Anwar Sadat, Muhammad Syukri Albani Nasution, & Muhammad Irwan Padli Nasution. (2026). E-Commerce, Financial Technology, and MSME Development: the Moderating Role of Digital Literacy in Islamic Economics. Al-Kharaj: Journal of Islamic Economic and Business, 8(3). https://doi.org/10.24256/kharaj.v8i3.12291