Pengaruh faktor Pengaruh faktor demografi, motif menabung, dan literasi keuangan syariah terhadap permintaan asuransi syariah, motif menabung, dan literasi keuangan syariah terhadap permintaan asuransi syariah
DOI:
https://doi.org/10.26740/jim.v13n4.p1049-1058Kata Kunci:
external locus of control, financial knowledge, future orientation, retirement planning behaviorAbstrak
Tujuan penelitian ini adalah untuk menguji pengaruh Faktor Demografi (pendapatan dan usia), motif menabung dan literasi keuangan syariah. Jumlah responden dalam penelitian ini sebanyak 163 responden di Gresik, Surabaya dan Sidoarjo yang memiliki kriteria memiliki total pendapatan keluarga setiap bulan minimal Rp 4.000.000 dan telah membeli asuransi jiwa syariah dan menjadi pengambil keputusan untuk membeli asuransi jiwa syariah. Responden dipilih secara purposive sampling dan Snowball Sampling. Teknik analisis data menggunakan Partial Least Square Equation Modeling (PLS-SEM) dengan menggunakan program PLS 6.0. Hasil penelitian ini menjelaskan bahwa pendapatan dan motif menabung memiliki pengaruh positif signifikan terhadap permintaan asuransi syariah, sedangkan literasi keuangan syariah dan faktor demografi (usia) memiliki pengaruh positif tidak signifikan terhadap permintaan asuransi syariah.
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