Influence of Spending Habits and Financial Literacy on Purchasing Decisions in Multi-Level Marketing with Gender as a Moderating Variable

This research aims to determine the relationship between Spending Habits and Financial Literacy on Multi Level Marketing purchases on Gender. This quantitative research use member subjects PT. Gemilang Citrus Berjaya. The sampling technique used was purposive sampling and 133 subjects were obtained. The data collection technique uses a Likert scale based on items originating from aspects and indicators of each variable. The data analysis technique used was PLS4 software with research results showing that the significance value was greater than 0.05, which means there is no relationship between spending habits and purchasing decisions, gender in moderating Financial Literacy, and gender in moderating Spending Habits. The significant value is smaller than 0.05, which means that Financial Literacy influences purchasing decisions.