HIDAYAT, Wahyu; DIAZ, Marsela; TAN, Ethan. DIGITAL SHARIA BANKING ADOPTION AND FINANCIAL INCLUSION MODELS FOR MICRO ENTERPRISES IN ASEAN. Journal Islamic Economic Minangkabau, [S. l.], v. 4, n. 3, p. 230–245, 2026. DOI: 10.70177/jiem.v4i3.4003. Disponível em: https://research.adra.ac.id/index.php/jiem/article/view/4003. Acesso em: 26 aug. 2026.