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

doi:10.61796/jaide.v2i6.1530

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Arsy Maulana Firdaus Muhammadiyah University of Sidoarjo, Indonesia
Sigit Hermawan
sigithermawan@umsida.ac.id
Muhammadiyah University of Sidoarjo, Indonesia

Vol. 2 No. 6 (2025): Journal of Artificial Intelligence and Digital Economy

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June 30, 2025

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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 semester at the University of Sidoarjo. Data were analyzed using purposive sampling, validity and reliability testing, paired-probability hypothesis testing, and SPSS version 26 software. Results: The findings indicate that financial literacy has a positive and significant effect on consumer decision-making, whereas spending habits exert a negative effect. Novelty: The study highlights that financial literacy serves as a moderating factor in the relationship between financial behavior and decision-making, suggesting that sound financial management practices can enhance rational and informed consumer choices.

Firdaus, A. M., & Hermawan , S. (2025). THE INFLUENCE OF FINANCIAL LITERACY AND SPENDING HABITS ON SHOPPING DECISIONS IN MARKETS WITH PERSONAL PREFERENCE AS A MODERATION VARIABLE. Journal of Artificial Intelligence and Digital Economy, 2(6), 386–400. https://doi.org/10.61796/jaide.v2i6.1530

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