eprintid: 77811
rev_number: 12
eprint_status: archive
userid: 12460
dir: disk0/00/07/78/11
datestamp: 2026-08-10 04:25:31
lastmod: 2026-08-10 04:25:31
status_changed: 2026-08-10 04:25:31
type: thesis
metadata_visibility: show
contact_email: muh.khabib@uin-suka.ac.id
creators_name: Zakiyah Amirah Salim, NIM.: 22108030040
title: PERAN SHARIA COMPLIANCE DALAM MEMEDIASI PENGARUH AWARENESS, PERFORMANCE EXPECTANCY, DAN EFFORT EXPECTANCY TERHADAP NIAT MENGGUNAKAN APLIKASI QAZWA SYARIAH
ispublished: pub
subjects: 297.273
divisions: jur_keuangan_syariah
full_text_status: restricted
keywords: Awareness, Performance Expectancy, Effort Expectancy, Sharia Compliance, Intention, FinTech Syariah.
note: Muhfiatun, S.E.I., M.E.I.
abstract: The growth of Sharia-based Financial Technology (FinTech) in Indonesia continues to increase, yet its adoption among Generation Z still faces challenges. This study aims to analyze the effect of Awareness, Performance Expectancy, and Effort Expectancy on Intention to use the Qazwa Syariah application, with Sharia Compliance as a mediating variable. This study employed a quantitative approach using a survey method and was analyzed using PLS-SEM with SmartPLS. The results show that Awareness and Sharia Compliance have a positive and significant effect on Intention to use Qazwa Syariah, while Performance Expectancy and Effort Expectancy have no significant effect. In addition, Awareness and Effort Expectancy have a positive and significant effect on Sharia Compliance, while Performance Expectancy has no significant effect. In the indirect effect analysis, Sharia Compliance is unable to mediate the effect of Awareness and Performance Expectancy on Intention to use Qazwa Syariah, but is able to mediate the effect of Effort Expectancy on Intention to use Qazwa Syariah. This study concludes that sharia compliance is an important factor in increasing the intention to use Sharia FinTech applications.
date: 2026-07-02
date_type: published
pages: 169
institution: UIN SUNAN KALIJAGA YOGYAKARTA
department: FAKULTAS EKONOMI DAN BISNIS ISLAM
thesis_type: skripsi
thesis_name: other
citation:   Zakiyah Amirah Salim, NIM.: 22108030040  (2026) PERAN SHARIA COMPLIANCE DALAM MEMEDIASI PENGARUH AWARENESS, PERFORMANCE EXPECTANCY, DAN EFFORT EXPECTANCY TERHADAP NIAT MENGGUNAKAN APLIKASI QAZWA SYARIAH.  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   
document_url: https://digilib.uin-suka.ac.id/id/eprint/77811/1/22108030040_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/77811/2/22108030040_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf