Firdaus, A.M. and 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 (Apr. 2025), 78–93. DOI:https://doi.org/10.61796/ijecep.v2i2.60.