The Influence of Financial Literacy and Spending Habits on Purchasing Decisions with Locus of Control as Intervening Variables for Implementing SDGs NO.8

This research aims to determine the relationship between financial literacy and spending habits on purchasing decisions with locus of control as an intervening variable. Quantitative research is the research used. The sample used was 114 Accounting students from the Faculty of Business, Law and Social Sciences, Muhammadiyah University of Sidoarjo, using a purposive sampling technique for sampling. The data collection technique uses a Likert scale arranged based on items derived from the indicators of each variable. The data analysis technique uses SPSS 23 software. This research obtained results by concluding that financial literacy and spending habits have a direct and indirect influence on purchasing decisions through locus of control as an intervening variable