<mets:mets OBJID="eprint_77609" LABEL="Eprints Item" xsi:schemaLocation="http://www.loc.gov/METS/ http://www.loc.gov/standards/mets/mets.xsd http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mets="http://www.loc.gov/METS/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mets:metsHdr CREATEDATE="2026-07-28T20:25:21Z"><mets:agent ROLE="CUSTODIAN" TYPE="ORGANIZATION"><mets:name>Institutional Repository UIN Sunan Kalijaga Yogyakarta</mets:name></mets:agent></mets:metsHdr><mets:dmdSec ID="DMD_eprint_77609_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:titleInfo><mods:title>PENGARUH APLIKASI KEUANGAN DIGITAL, GAYA HIDUP TERHADAP EFEKTIVITAS PENGELOLAAN KEUANGAN PRIBADI DENGAN LITERASI KEUANGAN SYARIAH SEBAGAI VARIABEL MODERASI: STUDI PADA MAHASISWA UNIVERSITAS ISLAM NEGERI (UIN) SUNAN KALIJAGA YOGYAKARTA</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">NIM.: 21108030071</mods:namePart><mods:namePart type="family">Sa’dun Ni’am</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>This study aims to examine the effect of digital financial applications and lifestyle on the effectiveness of personal financial management, with Islamic financial literacy serving as a moderating variable among students of Universitas Islam Negeri Sunan Kalijaga Yogyakarta. This research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to students of UIN Sunan Kalijaga Yogyakarta. The data were analyzed using the Partial Least Square (PLS) method to assess the relationships among variables and the moderating role of Islamic financial literacy. The findings indicate that digital financial applications have a significantly effect on the effectiveness of personal financial management, while lifestyle positive influences students’ financial management behavior. Furthermore, Islamic financial literacy is proven to moderate the relationship between digital financial applications and lifestyle on personal financial management effectiveness.</mods:abstract><mods:classification authority="lcc">658.15 Manajemen Keuangan</mods:classification><mods:originInfo><mods:dateIssued encoding="iso8061">2026-01-27</mods:dateIssued></mods:originInfo><mods:originInfo><mods:publisher>UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAM</mods:publisher></mods:originInfo><mods:genre>Thesis</mods:genre></mets:xmlData></mets:mdWrap></mets:dmdSec><mets:amdSec ID="TMD_eprint_77609"><mets:rightsMD ID="rights_eprint_77609_mods"><mets:mdWrap MDTYPE="MODS"><mets:xmlData><mods:useAndReproduction>
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