Ziliwu, E., and Y. Satato. “ANALYSIS OF FACTORS AFFECTING THE LEVEL OF CONSUMPTIVE BEHAVIOR AMONG STIEPARI SEMARANG STUDENTS LIVING IN BAWEN BOARDING HOUSES”. Journal of Management : Small and Medium Enterprises (SMEs), Vol. 18, no. 3, Nov. 2025, pp. 1723-36, doi:10.35508/jom.v18i3.21303.