Firdaus, Arsy Maulana, and Sigit Hermawan. “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, vol. 2, no. 2, Apr. 2025, pp. 78-93, doi:10.61796/ijecep.v2i2.60.