<![CDATA[This study aims to analyze the effects of financial literacy, financial management, and electronic money usage on consumptive behavior, with self-control as an intervening variable among Management Study Program students at Universitas Pandanaran from the 2022–2025 cohorts. The population consisted of 708 students, while the sample comprised 88 respondents determined using the Slovin formula and a proportionate stratified random sampling technique. Data were collected through questionnaires and analyzed using validity, reliability, classical assumption, multiple linear regression, t-test, coefficient of determination (R²), and path analysis with the assistance of SPSS. The results indicate that financial literacy, financial management, and electronic money usage have positive and significant effects on self-control. Furthermore, financial literacy, financial management, electronic money usage, and self-control have positive and significant effects on consumptive behavior. Self-control also significantly mediates the effects of financial literacy, financial management, and electronic money usage on consumptive behavior. Therefore, all research hypotheses are accepted. The study recommends that students improve their financial literacy and financial management skills, use electronic money responsibly, and strengthen self-control to reduce consumptive behavior. Future researchers are encouraged to include additional variables and broader research objects to obtain more comprehensive findings.]]>
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