PENENTU PEMILIKAN TAKAFUL MIKRO DALAM KALANGAN KUMPULAN BERPENDAPATAN RENDAH

[THE DETERMINANT OF MICROTAKAFUL OWNERSHIP AMONG LOW INCOME EARNERS]

Abstract

Polisi takaful yang berkonsepkan takaful mikro sudah lama diperkenalkan di Malaysia. Rasional kepada pembangunan konsep takaful mikro ialah untuk memastikan setiap lapisan masyarakat di Malaysia mampu memiliki perlindungan takaful, khususnya mereka yang berpendapatan rendah seperti B40. Namun begitu, pemilikan perlindungan takaful atau insurans dalam kalangan B40 masih amat rendah iaitu 4% sahaja. Oleh itu, kajian ini bertujuan untuk mengkaji penentu kepada pemilikan takaful mikro dalam kalangan B40. Sampel kajian ini terdiri daripada 150 responden yang dipilih berdasarkan kaedah pensampelan tidak berkebarangkalian bertujuan. Hasil regresi logistik menunjukkan kesan positif perkhidmatan syarikat ke atas pemilikan polisi takaful mikro dalam kalangan B40. Walau bagaimanapun faktor lain seperti kemampuan kewangan, tahap pengetahuan, kebolehcapaian, dan pengaruh persekitaran didapati tidak mempengaruhi pemilikan takaful mikro. Hasil kajian ini diharapkan dapat memberi input kepada pengendali takaful khususnya dan industri insurans dan takaful amnya dalam memperkemaskan dan mempertingkatkan kualiti perkhidmatan mereka bagi menggalakkan pembelian takaful mikro dalam kalangan B40. Usaha dan kerjasama daripada pihak pengendali takaful dalam menggalakkan isi rumah B40 membeli takaful mikro sangat diperlukan bagi menjadikan isi rumah B40 lebih berdaya tahan terhadap kejutan ekonomi yang berlaku dan seterusnya meningkatkan taraf hidup mereka ke arah masyarakat kelas menengah.

Kata Kunci: B40, logistik, pemilikan, perkhidmatan, takaful

ABSTRACT

Takaful policy based on the concept of micro takaful has been long introduced in Malaysia. The rational behind the development of micro takaful concept is to ensure each level of society in Malaysia would be able to have takaful protection, especially the low-income group such as B40. However, the ownership of family takaful or insurance protection plan among B40 remain low, at 4%. Therefore, this study attempts to examine the determinants of micro takaful ownership among low-income groups, known as B40. The sample of this study is 150 respondents, which is chosen based on purposive nonprobability sampling method. The logistic regression results show positive effect of company services towards micro takaful ownership among the B40. However, other factors such as financial capability, knowledge level, accessibility, and environmental factor do not influence the ownership of micro takaful. The results offer inputs for takaful operators in particular, and insurance and takaful industry, in general, to streamline and enhance service quality to promote the purchase of micro takaful among the B40. The efforts and cooperation from the takaful operators to encourage the B40 households to purchase micro takaful are essential to make B40 households more resilient against the economic shocks, and subsequently, improve their living standards towards middle-class society.

Keywords: B40, logistic, ownership, services, takaful

Cite as: Hafizuddin-Syah, B. A. M, Yakob, R., & Ruslee, A. A. (2019). Penentu pemilikan takaful mikro dalam kalangan kumpulan berpendapatan rendah [The determinant of microtakaful ownership among low income earners]. Journal of Nusantara Studies, 4(2), 101-125. http://dx.doi.org/10.24200/jonus.vol4iss2pp101-125