“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” (2019) Journal of Management and Muamalah, 9(1), pp. 3–12. Available at: https://www.jmm.uis.edu.my.kuisjournal.com/index.php/jurnal/article/view/18 (Accessed: 28 July 2026).