Anis Tri Rahmawati, and Khusnudin. “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, no. 3 (March 2, 2025): 1161 –. Accessed May 11, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/6671.