Staff View: Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust

Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust

Purpose: The purpose of this paper is to investigate the factors that affect one’s attitude and intentions towards family takaful schemes, apart from evaluating the mediating role of perceived trust in the relationship between perceived religiosity and attitude towards family takaful. Most prior stu...

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Main Authors:	Aziz, Shahab, Md. Husin, Maizaitulaidawati, Hussin, Nazimah, Afaq, Zahra
Format:	Article
Published:	Emerald Group Publishing Ltd. 2019
Subjects:	BP Islam. Bahaism. Theosophy, etc HG Finance
Online Access:	http://eprints.utm.my/id/eprint/87771/ http://dx.doi.org/10.1108/APJML-12-2017-0311
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spelling	my.utm.877712020-11-30T13:20:23Z http://eprints.utm.my/id/eprint/87771/ Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust Aziz, Shahab Md. Husin, Maizaitulaidawati Hussin, Nazimah Afaq, Zahra BP Islam. Bahaism. Theosophy, etc HG Finance Purpose: The purpose of this paper is to investigate the factors that affect one’s attitude and intentions towards family takaful schemes, apart from evaluating the mediating role of perceived trust in the relationship between perceived religiosity and attitude towards family takaful. Most prior studies have considered religiosity as an individual’s tendency to be religious. However, the present study employed perceived religiosity as one’s perception regarding shariah compliance practices of family takaful schemes. Moreover, this study examines the direct relationship between perceived religiosity and attitude and the indirect relationship between perceived religiosity and trust. Design/methodology/approach: A sample of 224 salaried individuals was selected with an age range of 24–50. Variance-based partial least squares structural equation modelling was employed for data analysis. Findings: The results showed that knowledge and perceived usefulness (PU) had significantly positive relationships with attitude towards family takaful schemes. Perceived trust completely mediated the relationship between perceived religiosity and attitude towards family takaful. Attitude was positively related to purchase intention regarding family takaful. Practical implications: The findings of the study are important for Islamic financial institutions, especially for takaful companies to revamp their marketing strategies. With enhanced understanding regarding consumer behaviour, takaful companies can sell their products in a more effective manner to increase their market share. Originality/value: Behavioural aspects regarding the purchase of Islamic insurance products have yet to be profoundly explored in the literature. The indirect relationship between perceived religiosity and trust is established in this study. The study contributes to the field of consumer behaviour and marketing of Islamic financial products. Emerald Group Publishing Ltd. 2019-01-14 Article PeerReviewed Aziz, Shahab and Md. Husin, Maizaitulaidawati and Hussin, Nazimah and Afaq, Zahra (2019) Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust. Asia Pacific Journal of Marketing and Logistics, 31 (1). pp. 81-104. ISSN 1355-5855 http://dx.doi.org/10.1108/APJML-12-2017-0311 DOI:10.1108/APJML-12-2017-0311
institution	Universiti Teknologi Malaysia
building	UTM Library
collection	Institutional Repository
continent	Asia
country	Malaysia
content_provider	Universiti Teknologi Malaysia
content_source	UTM Institutional Repository
url_provider	http://eprints.utm.my/
topic	BP Islam. Bahaism. Theosophy, etc HG Finance
spellingShingle	BP Islam. Bahaism. Theosophy, etc HG Finance Aziz, Shahab Md. Husin, Maizaitulaidawati Hussin, Nazimah Afaq, Zahra Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
description	Purpose: The purpose of this paper is to investigate the factors that affect one’s attitude and intentions towards family takaful schemes, apart from evaluating the mediating role of perceived trust in the relationship between perceived religiosity and attitude towards family takaful. Most prior studies have considered religiosity as an individual’s tendency to be religious. However, the present study employed perceived religiosity as one’s perception regarding shariah compliance practices of family takaful schemes. Moreover, this study examines the direct relationship between perceived religiosity and attitude and the indirect relationship between perceived religiosity and trust. Design/methodology/approach: A sample of 224 salaried individuals was selected with an age range of 24–50. Variance-based partial least squares structural equation modelling was employed for data analysis. Findings: The results showed that knowledge and perceived usefulness (PU) had significantly positive relationships with attitude towards family takaful schemes. Perceived trust completely mediated the relationship between perceived religiosity and attitude towards family takaful. Attitude was positively related to purchase intention regarding family takaful. Practical implications: The findings of the study are important for Islamic financial institutions, especially for takaful companies to revamp their marketing strategies. With enhanced understanding regarding consumer behaviour, takaful companies can sell their products in a more effective manner to increase their market share. Originality/value: Behavioural aspects regarding the purchase of Islamic insurance products have yet to be profoundly explored in the literature. The indirect relationship between perceived religiosity and trust is established in this study. The study contributes to the field of consumer behaviour and marketing of Islamic financial products.
format	Article
author	Aziz, Shahab Md. Husin, Maizaitulaidawati Hussin, Nazimah Afaq, Zahra
author_facet	Aziz, Shahab Md. Husin, Maizaitulaidawati Hussin, Nazimah Afaq, Zahra
author_sort	Aziz, Shahab
title	Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
title_short	Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
title_full	Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
title_fullStr	Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
title_full_unstemmed	Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
title_sort	factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust
publisher	Emerald Group Publishing Ltd.
publishDate	2019
url	http://eprints.utm.my/id/eprint/87771/ http://dx.doi.org/10.1108/APJML-12-2017-0311
_version_	1685578986791370752
score	13.211869

Factors that influence individuals' intentions to purchase family takaful mediating role of perceived trust

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