Jennifer's spending decisions are heavily influenced by her family, her peers, and her religious education. These influences on her spending decisions are all influences

external social environment.

Explanation:

The social environment refers to the total sum of the values, traditions, activities, and actions of a culture. The social environment in which decisions are influenced by social institutions (family, friends, etc) are referred to as external social environment. A business should be deeply aware of the social desires of the population regarding its needs and wishes and therefore must adapt to external social factors.

the correct answer is d