Pengaruh Kualitas Produk dan Religiusitas Terhadap Keputusan Nasabah dalam Memilih Asuransi Syariah di PT. Prudential Life Anssurance Cabang Kota Gorontalo

Abstract

This study aims to determine the Effect of Product Quality and Religiosity on customer decisionsin choosing Islamic insurance at PT.Prudential Life Anssurance Branch of Gorontalo City, with asample size of 177 respondents using random sampling method. This study uses multiple regressionanalysis tool on primary data found that the factor of Product Quality have positive andsignificant influence to customer decision to choose sharia insurance and religiosity have positiveand significant influence to customer decision to choose sharia insurance.The result of hypothesis test simultaneously (Test F) from both independent variables withFhitung equal to 80,111 in area of Ho rejected. This means that simultaneously factor of productquality and religiosity have a positive and significant influence to the decision of customers tochoose sharia insurance in PT. Prudential Life Ansurance Branch of Gorontalo City.Determination coefficient value of both independent variables obtained results of 0.479, it meansthat the Effect of Product Quality and Religiosity on customer decisions in choosing shariainsurance in PT.Prudential Life Anssurance Branch of Gorontalo City of 47.9% and the rest of52.1% influenced by other variables Which were not included in this study. Other variables may bepresent in marketing mix such as: promotion, people, place, process, and physical evidence.

Religiosity or Income? Factors Driving Customer Buying Interest in Islamic Insurance Products

“…Likewise, Mulderij et al (2021) explain that sharia-compliant products and services may be preferred by consumers as a result of the doctrine of salvation in religion (Rodero-Cosano & Brañas-Garza, 2000). A person might be religious without only claiming to be so; this is known as religiosity (Sofhian & Suleman, 2017). However, the relationship between the level of religiosity and consumption behavior seems unique.…”

Kontribusi Motif Dan Keyakinan Nasabah Pada Pemantapan Minat Berasuransi Syariah Di Lombok

“…yang hasilnya bukan faktor religiusitas yang terbukti secara langsung mempengaruhi sikap petani dalam memilih pembiayaan di bank syariah, akan tetapi faktor pemahaman rasionalnya. Akan tetapi berbeda dengan penelitian (Sofhian Sofhian:2017) Oleh karena itu selain ingin mengetahui apakah motif dan keyakinan nasabah berkontribusi secara parsial dan simultan pada pemantapan minat nasabah berasuransi syariah di Lombok, peneliti juga ingin mengetahui apakah faktor keyakinan nasabah di Lombok yang tingkat komitmen religius masyarakat Islamnya tinggi (Aker, David:1998). mempunyai kontribusi yang dominan atau tidak.…”