Determinant that effect the public decision to purchase houseowner and householder takaful certificate: a case study of residents, in Pasir Gudang, Johor

The purpose of this paper is to review on the determinants that effect the public decision to purchase houseowner and householder takaful certificate based on the existing news and literature. Given that the study of public decision to purchase houseowner and householder takaful certificate is still limited. Hence, this research aims to investigate the relationships between public awareness and the public decision to purchase houseowner and householder takaful certificate. Apart from this, the research also aims to investigate the relationship of product coverage that be provide by takaful company and income of policyholder. Next, knowledge and claim settlement about houseowner and householder takaful is determined that effect to public decision to purchase houseowner householder takaful. However, the consumer behavior is also effect the public decision to purchase houseowner householder takaful since the result to contribute of purchasing takaful certificate. Thus, the researcher attempt to bring the entire concept of houseowner and householder based on the findings of the previous research and other website such Perbadanan Insurans Deposit Malaysia (PIDM), Persatuan Insurance Am Malaysia (PIAM) and Bank Negara Malaysia (BNM). Underpinning theory which may clarify the relationship between variables which are related to houseowner and householder takaful certificate domain has been discussed. In order to seek out the problems and to manage public decision to purchase houseowner and householder takaful certificate, the researcher has distributed the questionnaires to 500 respondents who are the in area Pasir gudang, Johor