Elma Kamala, Shofa Rabbani. Digital Debt Restructuring for MSMEs: A Framework for Digital-Based Bankruptcy Cases Under Law No. 4 of 2023 and Principle of AL-Qardh . IJEBIR [Internet]. 2026Apr.23 [cited 2026Nov.4];5(03):609-25. Available from: https://e-journal.citakonsultindo.or.id/index.php/IJEBIR/article/view/3232