Hikmat Rahmansyah, and Frido S. Simatupang. “Financial Literacy And Lifestyle As Determinants Of Saving Behavior: The Moderating Role Of Gender Among Generation Z In Bandung Raya”. Al-Kharaj: Journal of Islamic Economic and Business, vol. 8, no. 3, Oct. 2026, doi:10.24256/kharaj.v8i3.11632.