Dwibin Kannapadang and Yohanis Lotong Ta’dung 2026. Lifestyle and Financial Literacy: Determining Factors of Consumptive Behaviour Among Students Receiving KIP Scholarships in the Management Study Programme at UKI Toraja. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Feb. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.8455.