Kristiani Br Ginting; Noni Ardian; Ramadhan Harahap. The Effect of Financial Literacy, Risk Perception, and Income on Investment Decisions With Self-Efficacy As an Intervening Variable in Generation Z of GemsGBKP Binjai City. Equivalent 2026, 4 (2), 2071-2088. https://doi.org/10.61994/equivalent.v4i2.1887.