<![CDATA[Islam positions consumption activities as one of the important aspects to obtain glory (falah) so that it needs to be controlled so that it runs in rhythm with Islamic teachings. The phenomenon of the State Civil Apparatus (ASN) sharing consumptive behavior, and hedonistic lifestyle on social media, has caused public criticism. The demand for simplicity of the State Civil Apparatus must be highlighted in front of the public, because basically the income of the State Civil Apparatus (ASN) is paid by state taxes, the value of the income of the State Civil Apparatus (ASN) is stable, so in this case financial knowledge plays an important role in the management of consumption patterns according to sharia principles.The credibility of the profession must be maintained by an ASN because his profession is vulnerable to social sanctions, so service performance and performance to the public are the main thing. One of the factors affects the consumption pattern of a person's level of religiosity, then lifestyle and financial knowledge. This study looks at the influence of financial knowledge, lifestyle and religiosity on the consumption patterns of the Civil Apparatus of the Bangka Regency Government. This study uses inferential quantitative statistical testing, namely the reciprocal relationships between different research variables and causality in a study, using a sample of 160 respondents reinforced by Power analysis and data analysis techniques used multiple regression tests. with the help of SPSS 26.0.0. The results of the hypothesis test (T-Test) partially show that the significance value of the variable X1 (Financial Knowledge) of 0.001 that H0 is rejected and H1 is accepted, meaning that there is an influence between Financial Knowledge and Consumption Patterns. X2 of 0.604 is greater than 0.05 where H0 is accepted and H1 is rejected, which means that Lifestyle does not have a significant effect on consumption patterns.Then the religiosity of X3 of 0.000 is less than 0.05 and a decision can be obtained that H0 is rejected and H1 is accepted, so that religiosity affects consumption patterns. The F value is calculated as 19.028 > the F table is 0.1552 or the p-value is 0.000 < 0.05, so the independent variable of Consumption Pattern simultaneously has a significant effect on the dependent variables, namely X1 (Financial Knowledge), X2 (Lifestyle), X3 (Religiosity).]]>
