TY  - THES
N1  - Muhfiatun, S.E.I., M.E.I.
ID  - digilib77609
UR  - https://digilib.uin-suka.ac.id/id/eprint/77609/
A1  - Sa?dun Ni?am, NIM.: 21108030071
Y1  - 2026/01/27/
N2  - 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.
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - aplikasi keuangan digital; gaya hidup; literasi keuangan syariah
M1  - skripsi
TI  - 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
AV  - restricted
EP  - 143
ER  -