Pengaruh Literasi Asuransi, Religiusitas, dan Kualitas Pelayanan terhadap Minat Generasi Milenial Menggunakan Asuransi Syariah

Abstract

Risk is something that cannot be predicted when it occurs and can cause a loss. Efforts to protect yourself become a necessary action to minimize the losses incurred. The millennial generation's concern for insurance is still lacking and tends to be more concerned with lifestyle than efforts to protect themselves by having insurance. This study aims to analyze the effect of insurance literacy, religiosity, and service quality on the millennial generation's interest in using sharia insurance. This study uses a quantitative approach, by collecting primary data taken through a questionnaire instrument with a total sample of 148 respondents. The data analysis technique used regression analysis with SPSS analysis test tool. The findings of this study indicate that the variables of insurance literacy, religiosity and service quality have a significant effect on the millennial generation's interest in using sharia insurance. Furthermore, partially found in this research that the religiosity variable has no effect on the millennial generation's interest in using sharia insurance. This research is expected to contribute to providing an overview of the relationship between insurance literacy, religiosity and views on service quality in the sharia insurance industry in increasing the sharia insurance market, especially among millennials. AbstrakRisiko merupakan hal yang tidak dapat diprediksi kapan terjadi dan dapat menimbulkan sebuah kerugian. Upaya memproteksi diri menjadi sebuah tindakan yang diperlukan guna meminimalisir kerugian yang ditimbulkan. Kepedulian generasi milenial terhadap asuransi dirasa masih kurang dan cenderung lebih mementingkan gaya hidup daripada upaya memproteksi diri dengan memiliki asuransi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi asuransi, religiusitas, dan kualitas pelayanan terhadap minat generasi milenial dalam menggunakan asuransi syariah. Penelitian ini menggunakan pendekatan kuantitatif, dengan menghimpun data primer yang diambil melalui instrumen kuesioner dengan jumlah sampel sebanyak 148 responden. Teknik analisis data menggunakan analisis regresi dengan alat uji analisis SPSS. Temuan penelitian ini menunjukkan bahwa variabel literasi asuransi, religiusitas dan kualitas pelayanan berpengaruh signifikan terhadap minat generasi milenial menggunakan asuransi syariah. Selanjutnya secara parsial ditemukan dalam penelitan ini bahwa variabel religiusitas tidak berpengaruh terhadap minat generasi milenial menggunakan asuransi syariah. Penelitian ini diharapkan dapat berkontribusi dalam memberikan gambaran mengenai keterkaitan literasi asuransi, religiusitas serta pandangan terhadap kualitas pelayanan pada industri asuransi syariah dalam meningkatkan pasar asuransi syariah, khususnya di kalangan milenial.

Determinant Factors of Gojek Drivers' Interest in Using Social Security Administrator Employment in Medan City

“…Consumers will certainly consider the quality of the services provided before using insurance. However, there is one study that supports the results of research conducted by Dan Intan Afryani which shows there is no influence of service factors with insurance ownership because customers look more at the price of insurance first when they want to enroll in an insurance program (Pramudya & Rahmi, 2022;Bahari & Basalamah, 2019;Rangkuti et al, 2022;Rouzaton, 2020).…”

“…Plus the results of research conducted by, and which also found research results if the higher the level of public understanding related to insurance will certainly affect their interest in participating in insurance programs (Yoga, 2022;Ramadhan, 2023;TriSadewo, 2018;Pramudya & Rahmi, 2022).…”

“…Supported by research conducted by which shows that there is a positive and significant influence of insurance premium prices on insurance ownership because in other words the increase in insurance premiums will increase the interest of life insurance customers, and vice versa if insurance premiums decrease then customer interest decreases as well. And also supported by special research and because customers see the profit received because the greater the premium, the higher the profit that will be obtained, while the greater the claim, the greater the profit obtained by the loss insurance company (Lumempouw et al, 2019;Khotimah, 2014;Pramudya & Rahmi, 2022).…”

Penyuluhan Webinar Hasil Riset Studi Takaful Global Bersama Asosiasi Asuransi Syariah Indonesia (AASI)

“…keseluruhan mendapat manfaat dari peningkatan literasi asuransi; tujuan dari setiap perubahan polis terkait asuransi atau prakarsa pendidikan adalah untuk mempersiapkan penduduk dengan lebih baik untuk menghadapi dan mengelola risiko yang tak terelakan dan tak terduga yang mereka hadapi (Rahmi, 2022).…”

“…Penyebaran pengetahuan tentang asuransi syariah merupakan langkah signifikan untuk memajukan perkembangan perbankan syariah di Indonesia. Menurut Survei Indeks Literasi Keuangan Sektor Perasuransian Tahun 2019 oleh Otoritas Jasa Keuangan (OJK), hanya 19,4% masyarakat Indonesia yang memiliki pengetahuan tentang perusahaan asuransi (Rahmi, 2022).…”