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

Abstract

Saat ini perkembangan lembaga asuransi syari’ah di Lombok cukup menggembirakan. Penelitian ini ingin mengetahui tentang faktor psikologis yang merupakan faktor pendorong dari dalam diri nasabah yang dapat berkontribusi mempengaruhi minat nasabah untuk berasuransi syariah, yaitu motif rasional dan motif emosional. Selain itu ingin mengetahui apakah faktor keyakinan nasabah di Lombok yang mayoritas muslim mempunyai kontribusi yang paling dominan. Penelitian ini mengambil sampel sebanyak 100 responden dari nasabah 8 perusahaan asuransi syariah di Lombok. Tehnik penentuan sampel yang digunakan adalah non probability sampling dan pemilihan samplenya dilakukan secara accidental sampling. Teori yang dipakai untuk membedah pokok permasalahan yang ada adalah dengan menggunakan teori pengambilan keputusan. Hasil penelitian: secara parsial motif rasional dan motif emosional berkontribusi secara signifikan pada pemantapan minat berasuransi syariah dan keyakinan nasabah berkontribusi tidak signifikan. Akan tetapi secara simultan semua variabel berkontribusi sangat signifikan. Besaran kontribusinya yaitu 40,6 %. Yang paling dominan berkontribusi adalah variabel motif rasional.

Subjective Norms and Behavioral Control; Its Effectiveness On Interest in Sharia Insurance

“…Consumer interest can be strengthened by several factors that influence consumer decisions, in this case, sharia insurance customers, including 1) Psychological (psychological) factors, which are driving factors from within consumers. Kotler and Kevin (2009) in (Rosyidah, 2020) argued that the psychological factors of consumers are based on the existence of motivation, perception, learning, beliefs, and attitudes that can make consumers make purchases. 2) Social factors, which are driving factors from outside the consumer.…”

“…2) Social factors, which are driving factors from outside the consumer. In this social factor, consumer behavior in making purchases is based on the influence of family, social status, and the consumer's reference group (Rosyidah, 2020). 3) Emotional factors, which are a measure of a person's intensity in paying attention to a particular activity or object (Harahap & Devi, 2021) The framework for this research can be seen in the following chart:…”

“…(Hasanatina et al, 2021) Sharia insurance is an effort to protect and help each other among many people through investment to jointly face a certain risk that is bound through a contract (agreement) that does not violate sharia rules. (Rosyidah, 2020). According to DSN Fatwa No: 21/DSN-MUI/X/2001 concerning General Guidelines for Sharia Insurance, the definition of Sharia Insurance is an effort to protect and help each other among many people or parties through investment in the form of assets or tabarru' which provides a pattern of return.…”

“…This is also encouraged by the Financial Services Authority (OJK) regulation regarding the separation of Sharia Business Units (UUS) of insurance companies into their own companies no later than the end of October 2024. Data from OJK as of December 2018 there are 48 UUS, consisting of 22 life insurance UUS, 24 UUS general insurance, and 2 SBU reinsurance (Handayani & Fathoni, 2019)In addition, the total assets of sharia insurance are increasing every year (Rosyidah, 2020). However, the total assets owned by Islamic insurance are still far behind compared to the total assets of conventional insurance.…”

The Interest to Buy Home Industry Products of the Baduy Tribe: the Effectiveness of Sharia Marketing Mix and Religiosity

“…Consumer interest can be strengthened by several factors that influence consumer decisions, among others: 1) Psychological factors (psychological), which is driving factor from within the consumer. Kotler and Kevin (2009) as cited by (Rosyidah, 2020)argued that the psychological factors of consumers are based on the existence of motivation, perception, learning, beliefs, and attitudes that can make consumers make purchases. 2) Social factors, which are driving factors from outside the consumer.…”