Faktor-faktor yang Memengaruhi Masyarakat Muslim untuk Mengadopsi Asuransi Syariah di Indonesia

Hasan Albanna(1*), Achmad Nurdany(2)

(1) Universitas Islam Negeri Sunan Kalijaga
(2) Universitas Islam Negeri Sunan Kalijaga
(*) Corresponding Author


The growth of Islamic insurance in Indonesia has experienced significant growth. On the other hand, the market share of Islamic insurance in Indonesia is still at 5%. As a country with a Muslim majority population, it is essential to know the factors that influence the interest of Muslims to adopt Sharia insurance in Indonesia. In this study, the author tries to analyze the factors that influence a Muslim's interest in adopting Sharia insurance in Indonesia. This study uses the theory of the planned behavior approach. The study results show that the variables of attitude, subjective norm, and perceived behavioral control have a positive and significant influence on the interest of a Muslim to adopt Sharia insurance in Indonesia. The theory of planned behavior is the main factor for Muslim communities to use sharia insurance. Islamic insurance companies need to pay attention to subjective norms, perceived moral control, and public attitudes in promotions to increase the number of new customers.

Pertumbuhan asuransi Syariah di Indonesia mengalami pertumbuhan yang signifikan. Pada sisi lain, market share asuransi Syariah di indonesia masih di angka 5%. Sebagai negara dengan penduduk mayoritas muslim, maka penting untuk mengetahui faktor-faktor yang memengaruhi minat seorang muslim untuk mengadopsi asuransi Syariah di Indonesia. Pada penelitian ini, penulis mencoba menganalisis faktor-faktor yang memengaruhi minat seorang muslim untuk menagdopsi asuransi Syariah di Indonesia. Penelitian ini menggunakan pendekatan theory of planned behavior. Hasil penelitian menunjukan bahwasanya variable sikap, subjective norm dan perceived behavioral control memengaruhi secara positif dan signifikan terhadap minat seorang muslim untuk menagdopsi asurani Syariah di Indonesia. Theory of planned behavior merupakan faktor utama masyarakat muslim menggunakan asuransi syariah. Perusahaan asuransi syariah perlu memperhatikan subjective norm, perceived bahvioral control dan sikap masyarakat dalam melakukan promosi untuk menambah jumlah nasabah baru.


asuransi, asuransi syariah, theory of planned behavior

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