Insurans Islam (Takaful) : Persepsi Kakitangan Universiti Utara Malaysia
The main purpose of this research is to get a perception from Universiti Utara Malaysia’s staff regarding Islamic insurance (takaful). Since the services (products) offered by takaful operators in Malaysia are based on Syariah principles, takaful have become one of the competitors to the convention...
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|The main purpose of this research is to get a perception from Universiti Utara Malaysia’s staff regarding Islamic insurance (takaful). Since the services (products)
offered by takaful operators in Malaysia are based on Syariah principles, takaful have become one of the competitors to the conventional insurers that have been long operating in Malaysia.
In general, takaful services are not fully accepted and subscribed by the Islamic community themselves due to the lack of awareness of takaful roles in their lives
and their economy eventhough the takaful services (products) are known to be managed and operated on Islamic principles. In takaful, transactions and services
emphases on justice, transparency and mutual cooperation among the participants.
Other factors that contribute to the community not subscribing are insufficient understanding, less disposal income for additional savings and expediture for takaful, stiff competition and product innovation from the conventional companies and many other related factors.
The main objective of the study is to gain information why Malaysian community especially from the Islamic community is not fully participating in takaful or not subscribing takaful for their insurance needs. In the study, 87 respondents from UUM staff were obtained.
Frequencies distribution, descriptive statistics and ANOVA test analyses were done to achieve the study objectives.
From the study, the re is less participation from UUM staff for takaful compared to conventional insurance. Their knowledge, perception and confidence towards
takaful are still low although it is known that the Islamic insurance brings more benefits and reasonal return to the participants compared to the conventional scheme.