THE INFLUENCE OF FINANCIAL LITERACY AND SPENDING HABITS ON SHOPPING DECISIONS IN MARKET WITH PERSONAL PREFERENCE AS A MODERATION VARIABLE

Arsy Maulana Firdaus; Sigit Hermawan

doi:10.61796/ijecep.v2i2.60

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Arsy Maulana Firdaus Muhammadiyah University of Sidoarjo, Indonesia
Sigit Hermawan
[email protected]
Muhammadiyah University of Sidoarjo, Indonesia

Vol. 2 No. 2 (2025): Journal of Economics and Economic Policy

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April 27, 2025

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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.

Firdaus, A. M., & Hermawan, S. (2025). THE INFLUENCE OF FINANCIAL LITERACY AND SPENDING HABITS ON SHOPPING DECISIONS IN MARKET WITH PERSONAL PREFERENCE AS A MODERATION VARIABLE . Journal of Economic and Economic Policy, 2(2), 78–93. https://doi.org/10.61796/ijecep.v2i2.60

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