Anwar Sadat, Muhammad Syukri Albani Nasution, and 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.