sardiyo, sardiyo, and Martini Martini. “Pengaruh Gaya Hidup Dan Kemampuan Literasi Keuangan Terhadap Perilaku Konsumtif Belanja Online”. Owner : Riset dan Jurnal Akuntansi 6, no. 3 (July 15, 2022): 3169-3180. Accessed April 20, 2026. https://www.owner.polgan.ac.id/index.php/owner/article/view/934.