Watung, S.R. (tran.) (2018) “The Influence of Financial Literacy, Social Environment Factors and Cultural Factors to Consumption Behaviour, (Survey on Faculty 0f Economics Students, Manado State University-Indonesia)”, International Journal of Scientific Research and Management (IJSRM), 6(04), pp. EM–2018. doi:10.18535/ijsrm/v6i4.em14.