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: Journal of Islamic Economic and Business 8, no. 2 (April 25, 2026). Accessed June 30, 2026. https://ejournal.iainpalopo.ac.id/index.php/alkharaj/article/view/10223.