“The Influence of Financial Literacy and Lifestyle on Consumptive Behavior of Management Department Students, Khairun University – Ternate”, jmer, vol. 3, no. 1, pp. 44–55, Sep. 2023, Accessed: Jul. 02, 2026. [Online]. Available: https://ojs.feb.uajm.ac.id/index.php/jmer/article/view/461