Zainal, Abdul Qahar, et al. “Islamic Law and Digital Financial Inclusion in Muslim Minority Regions: Legal Adaptation to Socio-Cultural Change and Economic Marginalization”. Al-Daulah : Jurnal Hukum Pidana Dan Ketatanegaraan, vol. 15, no. 1, July 2026, pp. 1-22, doi:10.24252/al-daulah.v15i1.66747.