Faktor-faktor yang mempengaruhi penyertaan masyarakat terhadap takaful

• Main Author: Hafizah, Zainal
• Format: Thesis
• Language: English; English
• Published: 2013
• Subjects: HF5549-5549.5 Personnel Management. Employment; HG Finance
• Online Access: https://etd.uum.edu.my/5088/1/s811031.pdf; https://etd.uum.edu.my/5088/7/s811031_abstract.pdf; https://etd.uum.edu.my/5088/

Takaful is Islamic insurance which is the most suitable alternate of conventional insurance for individuals and financial institutions. Takaful and conventional insurances are two different contracts even though both have the same goal, which is to reduce the financial burden and protect their participants from difficulties. In general, takaful services are not fully accepted and subscribed by the Islamic community themselves due to the lack of awareness of takaful roles in their lives and their economy even though the takaful services (products) are known to be managed and operate on Islamic principles which are free from riba, maysir and gharar. The purpose of this research is to examine the factors that influencing participation of society towards takaful in order to provide better understanding and exposure the products whereby more profitable than conventional insurance companies. In addition, this research also aims to provide information especially to the Muslim community itself and the multi-racial society in Malaysia because among of them are possibility to lack of awareness and knowledge about the existence takaful system in Malaysia. By involving a total of 330 respondents in this research, a structured survey questions were distributed to graduate students in various disciplines in Universiti Utara Malaysia, Kedah. The main objective of this research is to gain information why Malaysian community especially from the Islamic community is not fully participating in takaful or not subscribing takaful for their insurance needs. This study tested four main hypotheses related to the factors that influence the community participation in takaful. The results showed that demographic factors, understanding and public awareness have significant positive relationship. While the perception of service quality factors are not significant relationship and negative value. All hypotheses were tested using techniques of Interdependent Sample t-test, One Way ANOVA and Pearson correlation analysis. Hence, the results have lead to the specific recommendations towards takaful operator, government and future researcher