Anis Tri Rahmawati and Khusnudin (2025) “Interest of Food and Beverage MSMEs in Becoming Customers of Sharia Banks: The Role of Inclusion and Literacy”, El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 6(3), pp. 1161 –. doi: 10.47467/elmal.v6i3.6671.