Refa Gustia et al. 2026. The Influence of Financial Literacy and Financial Self-Efficacyon Consumptive Behavior: The Moderating Role of Impulse Buying among QRIS Users in Palembang. Al-Kharaj: Journal of Islamic Economic and Business. 8, 2 (Apr. 2026). DOI:https://doi.org/10.24256/kharaj.v8i2.10223.