Determinasi Niat Partisipasi dalam Takaful: Suatu Tinjauan Literatur Sistematis
DOI:
https://doi.org/10.55338/jeama.v4i3.424Keywords:
Takaful participation, Islamic insurance, religiosity, financial literacy, social influence, digital marketing, behavioral intention.Abstract
Penelitian ini bertujuan mengidentifikasi dan mensintesis determinan yang memengaruhi niat individu untuk berpartisipasi dalam takaful atau asuransi syariah. Kajian dilakukan dengan pendekatan systematic literature review yang mengikuti pedoman PRISMA 2020. Pencarian literatur pada Google Scholar dibatasi pada periode 2018-2025 menggunakan kata kunci terkait takaful, niat partisipasi, adopsi, dan perilaku konsumen. Pencarian awal menghasilkan 163 artikel; setelah deduplikasi tersisa 131 artikel untuk penapisan judul dan abstrak. Sebanyak 71 artikel dilanjutkan ke penilaian teks lengkap, dan 22 studi memenuhi kriteria inklusi untuk sintesis. Temuan disintesis melalui thematic analysis dan dikelompokkan ke dalam enam tema: pengetahuan dan kesadaran, religiusitas dan nilai Islam, sikap dan persepsi kendali perilaku, kepercayaan dan kredibilitas institusi, pengaruh sosial, serta pemasaran dan digitalisasi. Secara umum, sikap dan kendali perilaku yang dipersepsikan paling konsisten sebagai prediktor, dengan peran pelengkap dari literasi, religiusitas, kepercayaan, serta pengaruh sosial dan kanal digital. Hasil ini memberi dasar bagi operator dan regulator untuk memperkuat edukasi, meningkatkan kredibilitas layanan, dan mengoptimalkan strategi pemasaran digital guna mendorong partisipasi takaful.
References
N. Ramadhoni, “Analisis mengenai berbagai faktor yang memengaruhi nasabah dalam memilih asuransi syariah,” Maliki Interdiscip. J., vol. 3, no. Mei, pp. 610–618, 2025, [Online]. Available: urj.uin-malang.ac.id/index.php/mij/index%0AAnalisis
A. A. Tamba, M. Z. Arafli, D. Alvian, and A. Setiawan, “Analisis Peningkatan Minat Terhadap Produk Asuransi Syariah,” J. Peningkatan Minat Terhadap Prod. Asuransi Syariah, vol. 3, no. 3, pp. 201–207, 2024, doi: doi.org/10.55606/jekombis.v3i3.4003.
S. E. Saputra, “Konsep Asuransi Takaful dalam Prinsip dan Falsafah,” ’Aainul Haq J. Huk. Kel. Islam, vol. 2, no. 1, pp. 75–87, 2022.
Sipa, “Pendahuluan Asuransi merupakan suatu rencana keuangan yang disusun untuk membagikan biaya biaya atas kerugian yang tak terduga . Dari segi hukum asuransi adalah suatu rencana kontrak yang mana satu kumpulan setuju untuk mengganti kerugian-kerugian peserta,” ECONIS J. Econ. Bus., vol. 1, no. 2, pp. 96–106, 2023.
A. I. Rossela and R. Muhammad, “Faktor-faktor yang mempengaruhi minat konsumen berpartisipasi dalam asuransi syariah dengan kepercayaan sebagai variabel moderating,” in Proceeding of National Conference on Accounting & Finance, 2024, pp. 413–424.
L. A. Chusmita, A. A. Razak, and F. Muhammad, “Kecenderungan Menyertai Takaful Mikro dalam Kalangan Pengusaha Mikro, Kecil dan Menengah di Pelepat Ilir, Jambi, Indonesia,” J. Syarikah, vol. 5, no. 1, pp. 1–21, 2019.
Nurfaisah, E. Tanjung, and A. N. Hasibuan, “TAKAFUL : Alternatif Perlindungan Finansial Syariah di Era Modern,” JRIHUM J. Inov. dan Hum., vol. 2, no. 3, pp. 424–432, 2024.
K. A. Sinambela, Nurhayati, and S. Mandai, “Seberapa Jauh Literasi Nasabah Terkait Asuransi Syariah dan juga Minatnya terhadap Asuransi Syariah,” J. Ekon. Trisakti, vol. 3, no. 1, pp. 821–830, 2023.
Rohmadi and D. Y. Bagaskara, “analisis SWOT Potensi Industri Asuransi Syari’ah di Indonesia: Studi Pendekatan Vivo dan Literatur Riview,” J. Manaj. Divers., vol. 4, no. 2, pp. 334–345, 2024.
M. Nasir, Y. Samri, J. Nasution, and B. Harianto, “Analysis of the Effectiveness of Waqf Policy Management for Tafakulink Salam Products at PT Tafakul Keluarga , Medan Branch , in Accordance with the Fatwa of DSN MUI Number 106 of 2016,” vol. 11, no. 1, pp. 417–430, 2024.
D. Selfiani and F. A. Lubis, “Analisis Strategi Pemasaran dalam Menarik Minat Masyarakat Menggunakan Produk Asuransi Di PT . Prudential Life Assurance Cabang Binjai,” vol. 4, pp. 1914–1924, 2024.
A. Ahnaf and S. Mardian, “The Roles of Financial Literacy Level, Social Media, and Religiosity in Takaful Purchase Intention,” Int. J. Entrep. Sustain. Stud., vol. 5, no. 1, pp. 1–18, 2025, doi: 10.31098/ijeass.v5i1.3061.
H. R. Wijaya, S. R. H. Hati, I. A. Ekaputra, and S. Kassim, “The impact of religiosity and financial literacy on financial management behavior and well-being among Indonesian Muslims,” Humanit. Soc. Sci. Commun., vol. 11, no. 1, pp. 1–14, 2024, doi: 10.1057/s41599-024-03309-6.
M. W. Faiz and F. Firmansyah, “The moderating effect of religiosity on intention to use product financing,” Asian J. Islam. Manag., vol. 6, no. 1, pp. 50–62, 2024, doi: 10.20885/ajim.vol6.iss1.art5
M. Faizuddin, M. Zuki, R. T. Abdul Rahim, and N. S. Md Noor, “Predicting the intention to participate in family takaful product: A systematic literature review approach,” Ulum Islam., vol. 37, no. 01, pp. 39–59, 2025, doi: 10.33102/uij.vol37no01.647.
H. A. Ghani, S. A. Rahman, and M. Dakian, “Examining the Importance of Religious Commitment Towards Takaful Participation Intention (TP1),” Proc. 3rd Int. Halal Conf. (INHAC 2016), 2018, doi: doi.org/10.1007/978-981-10-7257-4_31.
D. K. Maduku and S. Mbeya, “Understanding family takaful purchase behaviour: the roles of religious obligation and gender,” J. Financ. Serv. Mark., vol. 29, no. 2, pp. 440–458, 2024, doi: 10.1057/s41264-023-00213-z.
A. Alam, B. A. Fianto, R. T. Ratnasari, A. Ahmi, and F. P. Handayani, “History and Development of Takaful Research: A Bibliometric Review,” SAGE Open, vol. 13, no. 3, pp. 1–20, 2023, doi: 10.1177/21582440231184852.
M. A. Kazaure, “Extending the theory of planned behavior to explain the role of awareness in accepting Islamic health insurance (takaful) by microenterprises in northwestern Nigeria,” J. Islam. Account. Bus. Res., vol. 10, no. 4, pp. 607–620, 2019, doi: 10.1108/JIABR-08-2017-0113.
N. A. Zainordin, E. R. A. Engku Ali, and R. Haron, “Factors Influencing Behavioral Intention to Participate in Family Takaful in Malaysia: An Extension of UTAUT2 Theory,” J. Islam. Financ., vol. 11, no. 2, pp. 68–83, 2022, doi: 10.31436/jif.v11i2.691.
A. A. M. Arshad, A. M. Arifin, and C. S. Cheng, “Integrating Trust in Agents into the Theory of Planned Behavior: A Conceptual Framework for Family Takaful Demand in Malaysia,” Inf. Manag. Bus. Rev., vol. 17, no. 3, pp. 435–442, 2025, doi: doi.org/10.22610/imbr.v17i3(I).4693.
M. A. Boujelbene and S. Thameur, “Exploring The Factors Influencing Customers ’ Intention to Adopt Online Takaful in Tunisia,” J. Islam. Financ., vol. 13, no. 2, pp. 66–77, 2024.
A. A. Hasan and M. T. Rahman, “Family takaful purchase intentions in Bangladesh: the mediating role of attitude and saving motives and the moderating role of religiosity,” Islam. Econ. Stud., vol. 31, no. 1/2, pp. 2–21, 2023, doi: 10.1108/IES-03-2023-0012.
R. A. Ditama, M. Fauzi, A. Muid, and al-Mahdi, “Islamic Insurance ( Takāful ): A Review of Recent Research and Future Directions,” Rev. Islam. Econ. Financ., vol. 7, no. 2, pp. 155–170, 2024, doi: doi.org/10.17509/rief.v7i2.72342.
N. S. Ishak, S. Aliyu, and M. A. Musthafa, “Does social capital , financial inclusion and risk behaviour influence trust in Takaful ?,” J. Islam. Mark., no. December, 2024, doi: doi.org/10.1108/JIMA-04-2024-0162.
M. Herawati and M. Mukhsin, “Islamic Financial Literacy In Digital Age: The Role Of Social Capital And Digital Literacy,” Al-Intaj J. Ekon. dan Perbank. Syariah, vol. 11, no. 1, p. 111, 2025, doi: 10.29300/aij.v11i1.7074.
O. Altwijry, M. O. Mohammed, A. A. Alshammari, and S. Arabia, “Financial Technology and Islamic Insurance: The Saudi Context,” vol. 2024, pp. 49–55, 2024, doi: 10.37575/h/mng/220039.
S. S. Ahmad, Y. Othman, S. Arsad, R. Ahmad, M. S. A. M. Saufi, and W. N. Mohamed, “Optimizing Takaful Product Selection: Strategy Marketing Approaces to Accelerate Technology Adoption,” RGSA- Regist. Gest. Soc. E Ambient., vol. 19, no. 5, pp. 1–11, 2025.
B. Abderrezzak, Y. Lakikza, and S. Reggad, “Takaful Insurance Philosophy Between Digitalization and Financial Risk Management,” Int. J. Prof. Bus. Rev., vol. 10, no. 2, pp. 1–22, 2025, doi: 10.26668/businessreview/2025.v10i2.5354.
Z. Ahmad, M. N. Mokal, and M. Rahman, “Takaful Industry in the Era of Technological Advancement,” Jeksyah (Islamic Econ. Journal), vol. 03, no. 02, pp. 56–69, 2023, doi: 10.54045/jeksyah.v3i02.726.
M. Aurelia, A. P. Syahbana, A. F. Sitanggang, and U. Hasanah, “ANALYSIS OF THE EFFECTIVENESS OF ISLAMIC INSURANCE IN ACHIEVING MAQASHID SHARIA THROUGH,” in Proceeding International Seminar on Islamic Studies, 2025, pp. 418–424.
B. I. Mahmoud, “Takaful (Islamic) insurance and its marketability in the Iraqi insurance market: A future study applied in the Iraqi insurance market,” Indones. J. Bussiness Anal., vol. 5, no. 3, pp. 2383–2400, 2025, doi: 10.55927/ijba.v5i3.14254.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Jurnal Ekonomi, Akutansi dan Manajemen Nusantara
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
