ANALISIS NIAT MENGGUNAKAN LAYANAN BAITUL MAAL WAT TAMWIL DI PROVINSI DAERAH ISTIMEWA YOGYAKARTA PERSPEKTIF UTAUT DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASINIM.: 22108030035Muhammad Ziyad Al FaizinauthorBaitul Maal wat Tamwil (BMT) is an Islamic microfinance institution that provides Sharia-based financial services to the community. This study aims to analyze the effects of Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions on the intention to use BMT services using the Unified Theory of Acceptance and Use of Technology (UTAUT) framework. In addition, this study examines the role of religiosity as both an independent and moderating variable. A quantitative approach was employed, with data collected from 122 respondents in the Special Region of Yogyakarta through purposive sampling. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results show that Performance Expectancy and Facilitating Conditions have a positive and significant effect on the intention to use BMT services, while Effort Expectancy, Social Influence, and religiosity have no significant effect. Furthermore, religiosity does not moderate the relationships between the UTAUT variables and the intention to use BMT services. The model explains 66.2% of the variance in the intention to use BMT services (R² = 0.662).297.273 Ekonomi Islam / Fiqih Muamalah2026-08-19UIN SUNAN KALIJAGA YOGYAKARTA;FAKULTAS EKONOMI DAN BISNIS ISLAMThesis