Setyaningsih, C. E., Sholihah, E., & Nurhapsari, R. (2026). Determinan perilaku konsumtif mahasiswa Gen Z: Peran literasi keuangan dan gaya hidup modern. Journal of Management and Digital Business, 6(2), 1067–1080. https://doi.org/10.53088/jmdb.v6i2.2842