<![CDATA[This research is motivated by the phenomenon of information technology development and digital evolution that alter public consumption habits, particularly in the student transition phase which is vulnerable to wasteful lifestyles within the university environment. The objective of this study is to empirically examine the influence of financial literacy, lifestyle, and self-control on the consumptive behavior of students at Universitas Muhammadiyah Jember. The research method used is a quantitative approach with causal associative research type. The target population in this study was 5,638 students with a minimum sample size of 374 respondents determined through the Slovin formula and selected using a proportionate random sampling technique. Primary data were collected via a Likert-scale questionnaire and analyzed using multiple linear regression. The research findings indicate that partially, financial literacy, lifestyle, and self-control each have a significant and positive influence on student consumptive behavior. The coefficient of determination (R2) value shows that the three independent variables simultaneously explain 43.8% of the variation in consumptive behavior, while the remaining 56.2% is explained by other variables outside the model. The implication of this study suggests that good financial understanding and self-control do not necessarily suppress spending, but are rather utilized as strategic capabilities to plan consumption rationally amidst modern lifestyle demands and massive digital transactions. Consequently, students are expected to remain prudent in weighing urgency before transacting to maintain future financial stability.]]>
