Ardiana, S., & Indrarini, R. (2026). Determinants of Islamic Consumption Behavior: A Study of Gen Z in Surabaya. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 8(3), 1077 –. https://doi.org/10.47467/alkharaj.v8i3.10227