Refa Gustia, Peny Cahaya Azwari, and Muhammad Rusdi. 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). https://doi.org/10.24256/kharaj.v8i2.10223.