eprintid: 75371 rev_number: 10 eprint_status: archive userid: 12460 dir: disk0/00/07/53/71 datestamp: 2026-02-03 02:36:28 lastmod: 2026-02-03 02:36:28 status_changed: 2026-02-03 02:36:28 type: thesis metadata_visibility: show contact_email: muh.khabib@uin-suka.ac.id creators_name: Dhiyaul Millah, NIM.: 22108030059 title: DETERMINAN INTENSI PENGGUNAAN PLATFORM CROWDFUNDING SYARIAH : IMPLEMENTASI UTAUT3 ispublished: pub subjects: 297.273 divisions: jur_mks full_text_status: restricted keywords: Crowdfunding syariah, UTAUT3, Religiositas, Behavioral Intention, SEM-PLS note: Hilmy Baroroh, S.E.I., M.E.K. abstract: The development of sharia crowdfunding platforms in Indonesia shows growth in line with the increasing public demand for digital financial services based on sharia principles. However, the level of adoption and intention to use these platforms still faces various challenges, such as low digital financial literacy and differences in user characteristics. This study aims to analyze the determinants of intention to use sharia crowdfunding platforms using the UTAUT3 model and to test religiosity as a moderating variable. Using a quantitative approach through an online survey of 258 respondents and SEM-PLS analysis, the results show that religiosity does not moderate the relationship between UTAUT3 variables and behavioral intention, while personal innovativeness, habit, hedonic motivation, and facilitating conditions have a positive and significant effect. date: 2026-01-21 date_type: published pages: 185 institution: UIN SUNAN KALIJAGA YOGYAKARTA department: FAKULTAS EKONOMI DAN BISNIS ISLAM thesis_type: skripsi thesis_name: other citation: Dhiyaul Millah, NIM.: 22108030059 (2026) DETERMINAN INTENSI PENGGUNAAN PLATFORM CROWDFUNDING SYARIAH : IMPLEMENTASI UTAUT3. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA. document_url: https://digilib.uin-suka.ac.id/id/eprint/75371/1/22108030059_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf document_url: https://digilib.uin-suka.ac.id/id/eprint/75371/2/22108030059_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf