Abadi, Rukhul. 2026. “Digital Transformation Of Islamic Umkm: Fintech’s Role In Developing Islamic Finance-Based Umkm Clothing Products”. Iqtishodiyah : Jurnal Ekonomi Dan Bisnis Islam 12 (1):83-91. https://doi.org/10.55210/iqtishodiyah.v12i1.2319.