A study on the factors influencing government workers preference towards selecting takaful in Pejabat Setiausaha Kerajaan Negeri Sembilan / Nur Shahira Abd Razak

Takaful was fast growing industry in Islamic world and it has attained 20% growth in its very beginning phase. The aim of this study was to identify the factors that influence the preference of government workers towards Takaful in Pejabat Setiausaha Kerajaan Negeri Sembilan (PSUKNS). Demand on Takaful was used as the dependent variable in this study, while the three independent variables which have been used were customer perception, customer acceptance and service quality. According to PSUKNS, the workers preferred conventional insurance if compared with Takaful. Hence, this study will revealed on the factors that will influence the workers in selecting Takaful instead of conventional insurance. This study was based on primary data where data collected through questionnaires. Statistical Package for Social Science (SPSS) Interactive software package was used for tested and analysed the data collected. Data gathered have been analysed through frequency analysis, reliability test, descriptive analysis, Pearson correlation coefficient analysis and multiple regression analysis. Through this study it revealed that all the independent variables significantly associated in demand on Takaful. However, demand on Takaful was significantly explained through customer perception compared to other factors like service quality and customer acceptance.