Situmorang, Exaudi. “The Effect of Financial Literacy on Consumptive Behaviour: A Theoretical Approach”. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM) 1, no. 1 (February 23, 2024): 753–766. Accessed November 23, 2024. https://journal.unj.ac.id/unj/index.php/isc-beam/article/view/42676.