Refa Gustia, Peny Cahaya Azwari, and Muhammad Rusdi, “The Influence of Financial Literacy and Financial Self-Efficacyon Consumptive Behavior: The Moderating Role of Impulse Buying among QRIS Users in Palembang”, al. kharaj. j. islam. econ. bus., vol. 8, no. 2, Apr. 2026.