Work

The Influence of Financial Literacy and Spending Habits on Shopping Decisions in Market With Personal Preference as a Moderation Variable

Year: 2025

Type: article

Abstract: Objective: This study aims to examine the impact of financial literacy and spending habits on consumer decision-making in the marketplace. Method: The research uses a quantitative method and a sample of 115 students from the Spring 2020 semester at the University of Sidoarjo. The data analysis technique used is purposive sampling, using validity and reliability tests, a paired-probability hypothesis, and SPSS version 26 statistical software. Results: The results show that financial literacy positively influences consumer decision-making, while spending habits negatively influence consumer decision-making. Novelty: The study suggests that financial literacy can moderate the relationship between financial literacy and consumer decision-making, and that good financial management can positively influence consumer decision-making.

Source: Journal of Economic and Economic Policy.

DOI: 10.61796/ijecep.v2i2.60

Authors: Arsy Maulana Firdaus, Sigit Hermawan

Institution: Universitas Muhammadiyah Sidoarjo

Language: English

Topic: Financial Literacy and Behavior

Subfield: Accounting

Field: Business, Management and Accounting

Domain: Social Sciences

Open Access status: hybrid

OpenAlex ID: W4409909264

FWCI:

Cites:

Cited by:

Related to: 10