Afifah Putri Maharani and Burhanudin 2026. The Influence of Financial Self-Efficacy and Peer Influence Regarding Investment Decisions on Financial Assets: Comparative Gen Z in Mataram and Surabaya with Risk Tolerance As a Moderating Variable. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Feb. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9727.