An investigation of the effect of customer beliefs on the intention to participate in family <i>Takaful</i> schemes

Bhatti, Tariq; Husin, Maizaitulaidawati Md

doi:10.1108/jima-04-2018-0066

Cited by 25 publications

(39 citation statements)

References 47 publications

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“…Past studies conducted by Amin ( 2012 Bhatti and Md Hussin (2020) have shown that the subjective norm relationship with tak aful products' selection is positive and significant. Subjective norm is also a motivating factor for customers' acceptance of a product (Amin et al, 2013(Amin et al, , 2014Ganesan et al, 2020).…”

Section: Subjective Normmentioning

confidence: 99%

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Factors influencing Bumiputera contractors' acceptance of the contractor's all risk takāful product

Ibrahim

Nor

Hisham

2021

IJIF

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PurposeThis research aims to investigate the factors that can influence Bumiputera contractors' acceptance of the Contractor's All Risks (CAR) takaful (Islamic insurance) product using the theory of reasoned action (TRA).Design/methodology/approachUsing the method of quantitative surveys, 414 questionnaires were collected from targeted Bumiputera contractors in Malaysia (grade G1 to grade G7), except in Sabah and Sarawak, that are registered with the Construction Industry Development Board (CIDB) and are also members of Persatuan Kontraktor Melayu Malaysia (PKMM). The data was analysed using the partial least squares structural equation modelling (PLS-SEM) technique.FindingsThe findings from the PLS-SEM analysis show that attitude, subjective norm, religiosity and awareness have a positive relationship with Bumiputera contractors' acceptance of the CAR takaful product. Religiosity appeared to be the most significant factor influencing Bumiputera contractors' acceptance of the CAR takaful product.Research limitations/implicationsThe respondents in this study only comprised Bumiputera contractors in Peninsular Malaysia, excluding those from Sabah and Sarawak. Therefore, it is not possible to generalise the findings to a broader population.Practical implicationsTakaful operators and their sales and marketing departments need to act proactively in promoting the benefits of investing in CAR takaful that follows Sharīʾah (Islamic law) rules and principles. They should create mechanisms to market CAR takaful better, thus accelerating its acceptance rate among contractors.Originality/valueThe paper uses the proposed extended TRA model, which includes the variables of religiosity and awareness in the TRA model. These variables were successfully integrated in the model, and the findings show that they have significantly contributed to the acceptance of the CAR takaful product among Bumiputera contractors.

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Section: Subjective Normmentioning

confidence: 99%

“…(2016),Aziz et al (2019),Ali et al (2019), Farhat et al (2019,Bhatti and Md Hussin (2020),Hassan and Abbas (2020) andShaikh et al (2020).…”

mentioning

confidence: 99%

Factors influencing Bumiputera contractors' acceptance of the contractor's all risk takāful product

Ibrahim

Nor

Hisham

2021

IJIF

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“…Sharia bank products, takaful schemes, halal products, etc. (Husin and Rahman, 2013;Rajagopal et al, 2011;Haque et al, 2010;Haque et al, 2015;Rezai et al, 2012;Bhatti and Husin, 2019), while others have looked at what Muslims find offensive in ads as well as at the attitudes of Muslim consumers to the influence of the West (De Run et al, 2010;Farah and El Samad, 2015;Sobh and Belk, 2011). Although studies such as these have looked at the choices that Muslim consumers make in purchasing products or services that are specifically associated with Islam (Razzaque and Chaudhry, 2013;Ariffin et al, 2016;De Run et al, 2010;Bachleda et al, 2014;Mansour and Diab, 2016), our understanding of the role of religious salience, more broadly in purchasing intentions, is still in its infancy (Mathras et al, 2016;Islam and Chandrasekaran, 2016;Butt et al, 2018).…”

Section: Jima 116mentioning

confidence: 99%

The impact of religious salience on purchase intentions: evidence from the UAE

Nickerson¹,

Nandialath²

2019

JIMA

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Purpose The purpose of this paper is to explore the role of religious salience on consumer purchase intentions in the multicultural environment of the UAE, more specifically on the willingness of a Muslim consumer to purchase a product labelled or packaged to include an Islamic appeal, i.e. an appeal with a heightened religious salience. While some attempts have been made in the literature to examine the impact of religious salience on purchase intentions, research amongst Muslim consumers remains under-explored. Design/methodology/approach The authors used a randomized survey experiment administered to 148 Emirati educated female nationals. The survey consisted of pairs of advertisements, where each advertisement promoted the same product and the same brand, varying on whether they included an Islamic appeal or not in the labelling, packaging or slogan. The respondents were asked about their attitude to the different versions of the advertisements, as well as their willingness to purchase the product. The authors used causal mediation analysis to explore the mechanisms through which causal effects on purchase intentions are determined. Findings This study shows that including an Islamic appeal, and therefore increasing the religious salience in product promotion, leads to higher purchase intentions amongst Muslim consumers. The authors also identified a number of additional moderating factors that influenced the consumer’s purchase intentions, such as product and/or brand awareness and the type of product being promoted, as well as the nature of the artefact that was included in the ad as the Islamic appeal. Finally, the causal mediation analysis suggests that Islamic appeals increases product attractiveness, which in turn leads to higher purchase intentions. Originality/value This paper investigates the effect of religious salience on consumer behaviour and their purchase intentions. This paper makes an empirical contribution to understanding consumer behaviour with particular relevance to retail hubs with a majority Muslim population.

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“…A search of the literature showed that previous studies focused more on customer intention to participate in takaful from various factors which included mass media, word of mouth, and subjective norms (Maizaitulaidawati et al, 2016;Farhat et al, 2019), attitude, subjective norm, and perceived behavior (Maizaitulaidawati & Asmak, 2013), perception of takaful operators' performance (Haji Wahab, 2018), and customer beliefs (Bhatti & Md Husin, 2019).…”

Section: Introductionmentioning

confidence: 99%

The Roles of Health Awareness and Knowledge in Medical Takaful Purchase Intention

Wahab

Tajuddin

2020

International Journal of Banking and Finance

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The present study aims to examine the factors of health awareness and knowledge that influence customers’ intention to use medical takaful coverage among the public sector officers in northern Malaysia. A quantitative research methodology was adopted to answer the objectives progressively. In the current research, data from 313 respondents were collected via questionnaires from three different organisations, namely the police department, the fire and rescue firefighter department, and the education department. Moreover, the data analysis was performed using SPSS version 22. The analysis revealed a significant and positive relationship between health awareness and knowledge and the customers’ intention to purchase medical takaful. Apart from that, the results also indicated that only health awareness has a significant influence on the intention with the strongest impact. On the other hand, the knowledge variable had no significant influence on customers’ intention to use medical takaful coverage among the respondents. A number of important limitations need to be considered in the present study which will be further explained in the conclusion section. Furthermore, the current research provides some major implications. First, on behalf of the takaful industry, the findings of the present study encourage the takaful operators, marketing teams, staffs, and agents to improve their performance by increasing their efficiency, creativity, innovation, and knowledge of product features in developing a good impression among potential customers. Second, on behalf of the public sector officers, the results of the study show the important need to enhance the customers’ intention to use medical takaful coverage. Third, the suitability of factors such as health awareness, knowledge and customers’ intention in the previous theory and literature on takaful industry has been proven in the current research. This study helps the marketing team of the takaful operators to formulate marketing strategies that can attract potential customers to participate in the medical takaful coverage, especially among the public sector officers.

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An investigation of the effect of customer beliefs on the intention to participate in family Takaful schemes

Cited by 25 publications

References 47 publications

Factors influencing Bumiputera contractors' acceptance of the contractor's all risk takāful product

Factors influencing Bumiputera contractors' acceptance of the contractor's all risk takāful product

The impact of religious salience on purchase intentions: evidence from the UAE

The Roles of Health Awareness and Knowledge in Medical Takaful Purchase Intention

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