THE INFLUENCE OF FINANCIAL LITERACY AND SPENDING HABITS ON SHOPPING DECISIONS IN MARKETS WITH PERSONAL PREFERENCE AS A MODERATION VARIABLE
Arsy Maulana Firdaus; Sigit Hermawan
Objective: This study investigates the influence of financial literacy and spending habits on consumer decision-making among university students. Method: A quantitative approach was applied, involving a sample of 115 students from the Spring 2020 ...