FIRMAN KARIM; AKHMAD; RUSTAM, Andi. The Influence of Self-Efficacy, Growth Mindset, and Adaptability on the Human Capital of MSME Entrepreneurs in Makassar City, with Digital Literacy as a Moderating Variable. Al-Kharaj: Journal of Islamic Economic and Business, [S. l.], v. 8, n. 3, 2026. DOI: 10.24256/kharaj.v8i3.12193. Disponível em: https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/12193. Acesso em: 10 aug. 2026.