Ardiana, Sania, and Rachma Indrarini. “Determinants of Islamic Consumption Behavior: A Study of Gen Z in Surabaya”. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 8, no. 3 (February 27, 2026): 1077 –. Accessed April 27, 2026. https://journal-laaroiba.com/ojs/index.php/alkharaj/article/view/10227.