Vivit Pelantri, and Fitriasuri. “Empowering MSMEs: The Role of Fintech, Financial Literacy, and Self-Efficacy in Financial Management in Tanjung Raja ”. Al-Kharaj: Journal of Islamic Economic and Business, vol. 7, no. 2, Aug. 2025, doi:10.24256/kharaj.v7i2.7458.