“ICT Usage and Digital Inclusion Among Entrepreneurs of Small and Medium Enterprises in the Klang Valley: Penggunaan ICT Dan Kemasukan Digital Dalam Kalangan Usahawan Perusahaan Kecil Dan Sederhana Di Lembah Klang”. Journal of Management and Muamalah 9, no. 1 (June 11, 2019): 3–12. Accessed June 17, 2026. https://jmm.uis.edu.my/index.php/jurnal/article/view/18.