Factors that Influence the Ethical Behaviours of Takaful Agents

Abdullah, Nor Arini; Hassan, Shahir Akram; Yusoff, Siti Zanariah

doi:10.6007/ijarbss/v10-i8/7535

Cited by 4 publications

(4 citation statements)

References 9 publications

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“…As a result, agents resort to unethical behavior to achieve their sales targets. Properly set up a monitoring system to guide the salespeople and not put too much pressure on them to meet challenging shortterm financial goals (Abdullah et al, 2020;Chandrarathne & Herath, 2020).…”

Section: Discussionmentioning

confidence: 99%

Factors Affecting to the Unethical Behavior of Insurance Salespeople: Evidence from Sri Lankan Insurance Industry

Abewardhana

Buddhika

2022

Sri Lankan J. Banking & Finance

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There are limited studies on the unethical behaviour of insurance salespeople in Sri Lanka that focused on organizational factors that affect for unethical behaviour of insurance salespeople. The Ethical Impact Theory (EIT) and the Theory of Bounded Rationality theory used as a unique feature in the study. The sample of 330 insurance salespeople confirmed from the top 05 life and top 05 general insurance companies in Sri Lanka based on market capitalization and simple random sampling method. The data collected via questionnaires. The Researcher used income, benefits, job satisfaction, inability to identify customer needs, failure to fulfil responsibilities, sales target, coaching by the supervisor, and ethical training as independent variables. The data analysed using correlation and multiple regression analysis. The study revealed that income, benefits, job satisfaction, failure to fulfil responsibilities, sales target and coaching by supervisors have a significant positive relationship with the unethical behaviour of insurance salespeople whereas job satisfaction indicated a strong positive relationship. Study concludes that there is a negative impact on coaching by supervisor and unethical behaviour of salespeople in the Sri Lankan Insurance industry. The study is limited only to investigating the reasons for unethical behaviour. Further scholars, can study the consequences of these

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Section: Discussionmentioning

confidence: 99%

Factors Affecting to the Unethical Behavior of Insurance Salespeople: Evidence from Sri Lankan Insurance Industry

Abewardhana

Buddhika

2022

Sri Lankan J. Banking & Finance

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“…In a study on the factors that influence ethical behaviours of Takaful (Islamic Insurance) agents, supervisor's influence was the second highest influencing factors after pressure on sales target (Abdullah, Hassan, & Yusoff, 2020). The research also revealed that supervisor's influence could be a two-edged sword because sales supervisors who placed pressure on agents to deliver higher sales volume could result in unethical behaviours of agents.…”

Section: Relationship Between Icsr and Iebmentioning

confidence: 98%

Fostering Individual Ethical Behaviour through Integrated Corporate Social Responsibility and Ethical Leadership

Lee¹,

Hoe²

2022

IJRP

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The research aimed to understand the effects of integrated corporate social responsibility (CSR) combined with ethical leadership on individual's ethical behaviour. While there have been rich literatures on organisational behavioural effects of CSR, the concept of integrated CSR remains unexplored. Integrated CSR activities incorporate ethical and responsible decision-making into core business operations, unlike conventional CSR activities which were managed peripherally from the businesses. The research also explored the mediating effect of perceived corporate ethics between integrated CSR and ethical leadership with individual ethical behaviour, as well as the moderating effect of perceived CSR-Fit between integrated CSR and perceived corporate ethics. The research adopted quantitative research approach and data were analysed using the Statistical Package for Social Sciences software. The outcomes of the study confirmed the relationships between integrated CSR and ethical leadership with individual ethical behaviour, and perceived corporate ethics fully mediated the relationships between integrated CSR and individual ethical behaviour but only partially mediated the relationships between ethical leadership and individual ethical behaviour. The outcome did not support the moderating effect of perceived CSR-fit between integrated CSR and perceived corporate ethics. The research findings offer insights to businesses on the important elements in fostering individual ethical behaviour at workplaces and the roles of integrated CSR and ethical leadership in supporting the initiative. By integrating ethical behaviours and decision-making into core operations will directly support United Nation's Sustainable Development Goals (SDGs), particularly SDG12 on Responsible Consumption and Production.

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“…As the industry is currently run through an agency system (Wakala model). Takaful agents, according to The Islamic Financial Services (2013), are the takaful firms' representatives who solicit ideas for takaful certificates, offer or participate in negotiating takaful certificates, and handle the issue, renewal, and continuation of takaful certificates on their behalf (Abdullah et al, 2020). In this situation, the Takaful business relies on its agency structure as the primary medium for marketing and promoting Takaful goods.…”

Section: Introductionmentioning

confidence: 99%

Factors Influencing Ethical Behavioral Intention among Takaful Agents

Mohamad Basir,

Roslan,

Fadzly

et al. 2023

IMBR

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Despite the fact that contemporary insurance contracts are simple to read, this does not imply that they are simple to comprehend. Most people rely on trust when purchasing insurance. They trust the insurance agent to recommend and obtain appropriate coverage. Takaful agents act as consumers' representatives in managing their takaful plan participation procedures, while also providing consumers with transparent and clear information about takaful plans. This study is mainly focused on identifying the factors influencing ethical behavioral intention among takaful agents. Therefore, this study examines the relationship between attitude, subjective norms and perceived behavioral control on ethical behavioral intention among insurance agents by adopting the Theory of Planned Behaviour (TPB). A total of 100 questionnaires were collected from 100 Takaful agents from the Family agency and General Agency. To evaluate the raw data, the paper used the non-probability sampling technique and analyzed it by conducting reliability analysis, correlation analysis, and regression analysis. The results of this study indicated that there was a significant relationship between attitude and subjective norms toward ethical behavioral intention as the predictors. Hence, these findings assist the practitioners, particularly takaful providers in strategizing their efforts in terms of training aspects for their respective takaful agents.

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Factors that Influence the Ethical Behaviours of Takaful Agents

Cited by 4 publications

References 9 publications

Factors Affecting to the Unethical Behavior of Insurance Salespeople: Evidence from Sri Lankan Insurance Industry

Factors Affecting to the Unethical Behavior of Insurance Salespeople: Evidence from Sri Lankan Insurance Industry

Fostering Individual Ethical Behaviour through Integrated Corporate Social Responsibility and Ethical Leadership

Factors Influencing Ethical Behavioral Intention among Takaful Agents

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