eprintid: 79553
rev_number: 10
eprint_status: archive
userid: 12460
dir: disk0/00/07/95/53
datestamp: 2026-10-29 01:42:08
lastmod: 2026-10-29 01:42:08
status_changed: 2026-10-29 01:42:08
type: thesis
metadata_visibility: show
contact_email: muh.khabib@uin-suka.ac.id
creators_name: Muhammad Ziyad Al Faizin, NIM.: 22108030035
title: ANALISIS NIAT MENGGUNAKAN LAYANAN BAITUL MAAL WAT TAMWIL DI PROVINSI DAERAH ISTIMEWA YOGYAKARTA PERSPEKTIF UTAUT DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI
ispublished: pub
subjects: 297.273
divisions: jur_mks
full_text_status: restricted
keywords: Baitul Maal Wat Tamwil (BMT), UTAUT, Religiusitas, Niat Menggunakan Layanan, SEM-PLS
note: Muhfiatun, S.E.I, M.E.I.
abstract: Baitul 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).
date: 2026-08-19
date_type: published
pages: 161
institution: UIN SUNAN KALIJAGA YOGYAKARTA
department: FAKULTAS EKONOMI DAN BISNIS ISLAM
thesis_type: skripsi
thesis_name: other
citation:   Muhammad Ziyad Al Faizin, NIM.: 22108030035  (2026) ANALISIS NIAT MENGGUNAKAN LAYANAN BAITUL MAAL WAT TAMWIL DI PROVINSI DAERAH ISTIMEWA YOGYAKARTA PERSPEKTIF UTAUT DENGAN RELIGIUSITAS SEBAGAI VARIABEL MODERASI.  Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.   
document_url: https://digilib.uin-suka.ac.id/id/eprint/79553/1/22108030035_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf
document_url: https://digilib.uin-suka.ac.id/id/eprint/79553/2/22108030035_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf