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.
Purpose
This study assessed the roles of atmospheric harmony, human crowding and sensation seeking towards hedonic value to determine re-patronage intention amongst mall consumers. Additionally, this study aims to investigate the moderating roles of past experience amidst mall consumers within the context of Pakistan.
Design/methodology/approach
The study data were collected from 334 mall consumers of Rawalpindi/Islamabad, Lahore and Karachi by using the judgemental sampling technique. Data analysis was performed using SmartPLS 3 via partial least squares structural equation modelling.
Findings
This study revealed that atmospheric harmony and human crowding displayed positive and adverse impacts, respectively, on hedonic value. The sensation seeking tendencies exerted by the consumers displayed no significant impact on hedonic value in light of mall habitat. The hedonic value exhibited a mediating role for the relationships of re-patronage intention with atmospheric harmony and human crowding. Besides, a significant interaction was noted between hedonic value and past experience in light of re-patronage intention.
Originality/value
The proposed model embeds hedonic value as a second higher-order construct, apart from amalgamating environmental and psychological factors of the mall shoppers to determine their re-patronage intentions. The study outcomes posit that mall re-patronage intention is built on several factors that offer mall managers an opportunity to enrich the hedonic consumption experience among mall consumers, aside from ensuring their re-patronage intention.
The paper investigate the factors affecting individual's intention towards purchase of family takāful schemes and to investigate the impact of media referent and word of mouth on subjective norms. The study also examines the influence of subjective norms on attitude and intention for purchase of family takāful schemes. The study data were collected from 377 salaried individuals. The data was analysed by variance based partial least squares structural equation modeling (PLS-SEM).The results of the study shows that word of mouth and media referent are significant determinants of subjective norms, while subjective norms have a significant relationship with both attitude and intention to purchase family takāful schemes. Attitude towards family takāful is also a significant determinant of purchase of family takāful.
Although traveler risk perception is a widely used term in the hospitality and tourism literature, the pandemic related risk perception of tourist destination lacks a clear conceptualization and measurement. This study develops and validates a six item scale to measure Covid-19 risk perception of travel destinations. The scale is developed using multiple data collection methods including interviews, focus group, and survey questionnaires. The exploratory stage involved in-depth interviews and the subsequent quantitative stage gathered data through a survey questionnaire. The scale offers a framework for future empirical research on Covid-19 risk perception that will shape tourism decisions in years to come. Implications for hospitality industry and limitations are also discussed.
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