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). doi: 10.24256/kharaj.v8i3.12291.