DETERMINAN INTENSI PENGGUNAAN PLATFORM CROWDFUNDING SYARIAH : IMPLEMENTASI UTAUT3

Dhiyaul Millah, NIM.: 22108030059 (2026) DETERMINAN INTENSI PENGGUNAAN PLATFORM CROWDFUNDING SYARIAH : IMPLEMENTASI UTAUT3. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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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.

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