Factors influencing undergraduate students' intention to use Islamic insurance: a study of business students at UiTM Johor / Nor Aqilah Ismail

Issue/Problem: Many customers are not interested in Takaful because they did not find any difference between Takaful and conventional insurance. They used to perceive that Takaful is more expensive than insurance. In addition, because of the Takaful industry have lacks of expertise, the employees are not customer friendly and consequently contributed in the establishment of a lack of needed policies.

Objective: The purpose of the study is to investigate the factors that influence prospective customers among students of higher learning institutions to use Islamic Insurance services.

Variables: This study will use four independent variables and one dependent variable. The independent variables are attitude, social influence, religious obligation and pricing. Meanwhile, for the dependent variable of this study is students' intention to use Takaful services.

Data/ Sample Description: The sample is made up of business students of UiTM Segamat. Respondents were surveyed using a standardized questionnaire which is adopted from Fithriah and Hanudin (2011). The questionnaires consist of six parts.

Statistical/Econometric Method: The research applies quantitative research approach. Multiple regressions analysis is used in order to identify the factors that influence students' intention to use Islamic insurance. This study is conducted using SPSS statistical software for Windows.