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). doi: 10.24256/kharaj.v8i2.10223.