Shofi Mustajibullah, Nurhidayah, Eny Zuhrotun Nasyi’ah. BUDGETING IN THE AI ERA: EXPLORING THE MODERATING EFFECTS OF AI UTILIZATION AND ISLAMIC FINANCIAL LITERACY ON SANTRI’S FINANCIAL LIFE). MORFAI [Internet]. 2026 Jan. 31 [cited 2026 Apr. 30];6(2):2961-9. Available from: https://radjapublika.com/index.php/MORFAI/article/view/5091