Firman Karim, Akhmad, and Andi Rustam. “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 8, no. 3 (August 9, 2026). Accessed August 10, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/12193.