Faktor-faktor yang Mempengaruhi Penyertaan Pelanggan Terhadap Produk Takaful Wakaf: Kajian Literatur Awal
Factors Influencing Customers’ Participation in Waqf Takaful Products: A Preliminary Literature Review
DOI:
https://doi.org/10.53840/muwafaqat.v7i1.164Keywords:
Takaful Wakaf, Pengetahuan, Kebolehcapaian, Kemahuan, KepercayaanAbstract
Kajian ini bertujuan untuk mengkaji faktor-faktor yang mempengaruhi kurangnya penyertaan dalam takaful wakaf di Indonesia. Dengan menggunakan Teori Tingkah Laku Terancang (TPB) sebagai kerangka kajian, kajian ini mengenal pasti faktor-faktor seperti pengetahuan, kebolehcapaian, kemahuan, dan kepercayaan terhadap institusi takaful yang mempengaruhi niat pelanggan untuk menyertai takaful wakaf. Kurang kesedaran dan pendidikan mengenai produk takaful wakaf, serta kurang kepercayaan terhadap institusi takaful adalah faktor utama yang menghalang penyertaan. Objektif kajian adalah untuk mengenal pasti faktor-faktor yang mempengaruhi kurangnya penyertaan dalam takaful wakaf di Indonesia. Persoalan kajian melibatkan kurangnya kesedaran dan pendidikan mengenai produk takaful wakaf, serta kepercayaan terhadap institusi takaful. Kajian ini menggunakan analisis data sekunder dan tinjauan literatur untuk mendapatkan dapatan kajian. Teori Tingkah Laku Terancang (TPB) digunakan sebagai kerangka kajian. Hasil kajian menunjukkan peningkatan pendidikan dan kesedaran masyarakat, kerjasama antara institusi kewangan syariah, institusi agama, dan kerajaan, serta pematuhan yang lebih baik terhadap peraturan oleh institusi takaful dapat membantu meningkatkan penyertaan takaful wakaf di Indonesia. Selain itu, promosi yang berkesan dan peningkatan kepercayaan terhadap institusi takaful juga diperlukan untuk membina hubungan yang kukuh dengan pelanggan dan meningkatkan pematuhan terhadap produk takaful wakaf. Kajian ini memberi sumbangan penting kepada pemahaman tentang faktor-faktor yang mempengaruhi kurangnya penyertaan takaful wakaf di Indonesia dan memberi panduan kepada institusi kewangan syariah dan pihak berkepentingan lain untuk meningkatkan penyertaan takaful wakaf di negara ini. Kajian ini akan menyumbang kepada strategi pemasaran yang lebih berkesan dan dapat digunakan oleh industri takaful.
This study aims to examine the factors influencing the lack of participation in waqf takaful in Indonesia. By employing the Theory of Planned Behavior (TPB) as the research framework, this study identifies factors such as knowledge, accessibility, willingness, and trust in takaful institutions that influence customers' intentions to participate in waqf takaful. Lack of awareness and education regarding waqf takaful products, as well as mistrust in takaful institutions, are the primary factors hindering participation. The objective of the study is to identify the factors influencing the lack of participation in waqf takaful in Indonesia. Research questions involve the lack of awareness and education regarding waqf takaful products, as well as trust in takaful institutions. This study utilizes secondary data analysis and literature review to obtain research findings. The Theory of Planned Behavior (TPB) is used as the research framework. The results indicate that increasing public education and awareness, cooperation between Islamic financial institutions, religious institutions, and the government, as well as better compliance with regulations by takaful institutions, can help increase participation in waqf takaful in Indonesia. Furthermore, effective promotion and increased trust in takaful institutions are also necessary to build strong relationships with customers and enhance compliance with waqf takaful products. This study contributes significantly to understanding the factors influencing the lack of participation in waqf takaful in Indonesia and provides guidance to Islamic financial institutions and other stakeholders to increase participation in waqf takaful in this country. This study will contribute to more effective marketing strategies and can be utilized by the takaful industry.
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