Khoiriawati, N., and F. N. Maulidiyah. “THE INFLUENCE OF INCOME AND LIFESTYLE ON CONSUMPTIVE BEHAVIOR: THE ROLE OF FINANCIAL LITERACY”. Proceedings of the International Conference of Islamic Economics and Business (ICONIES), Vol. 11, no. 1, Oct. 2025, pp. 295-08, https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3348.