Sofyandori, Fazli, et al. “The Effect Of Financial Literacy And Financial Self-Efficacy On Gold Investment Decisions With Risk Tolerance As A Mediating Variable: A Systematic Literature Review”. Economics and Business Journal (ECBIS), vol. 4, no. 6, Oct. 2026, pp. 3299-22, doi:10.47353/ecbis.v4i6.390.