A Descriptive Study Of Demographic Factors And Takaful Subscription In Kota Kinabalu Sabah Based On The Theory Of Planned Behaviour

Abstract

This study investigates the multifaceted relationship between demographic attributes and the preferences for Takaful Protection within the diverse workforce of Kota Kinabalu City. Employing the Theory of Planned Behaviour (TPB) as its foundational framework, the research explores the collective impact of gender, age, religious affiliation, marital status, education, occupation, income levels, and work experience on individuals' decisions regarding Takaful Subscription. Using a cross-sectional research design and structured questionnaires administered to 102 respondents, the study reveals compelling insights. It demonstrates that age, marital status, education level, occupation background, income range, and work experience significantly influence Takaful choices, whereas gender and religious affiliation have minimal impact. Additionally, the study identifies the most preferred Takaful products and highlights barriers to participation, shedding light on a generally low Takaful Subscription within the surveyed population. The research applies descriptive statistical analysis, cross-tabulations, and chi-square tests as analytical techniques to unravel the intricate interplay of these demographic factors within the TPB framework, providing nuanced insights into the dynamics of Takaful decision-making among a diverse workforce. The findings of this study underscore the complex interplay of demographic factors in shaping Takaful participation within a diverse workforce in Kota Kinabalu City. While gender appears to have minimal influence, age, marital status, educational background, occupation background, income range, and work experience are the key determinants of insurance choices.