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The Microenterprising Size And Acceptance Of Islamic Health Insurance (Takaful) In Northwestern Nigeria

Author

Listed:
  • Mansur Ahmed Kazaure

    (University Putra Malaysia)

  • Addul Rashid Abdullah

    (University Putra Malaysia)

Abstract

Application of Theory of Planned Behavior (TPB) in Islamic Health Insurance (takaful) acceptance revealed mixed findings. Hence, the need for a moderating variable to explain the conflicting results. This paper examines the moderating role of size of microenterprise among the TPB variables. To achieve this end, quantitative methodology adopted through distribution of research questionnaires among the participants of the study. Results indicate that attitude, social influence, perceived behavioral control and size of microenterprises significantly influence Islamic Health Insurance (takaful) acceptance intention among microenterprises in northwestern Nigeria. The findings also revealed that size of microenterprise moderates the effect of social influence on Islamic Health Insurance acceptance intention, but it failed to moderate the influence of attitude and perceived behavioral control on Islamic Health Insurance acceptance intention in same context. It implied that size of microenterprises does not matter most in Islamic Health Insurance acceptance; nonetheless, the finding contributes to the Theories of Reasoned Action and Planned Behavior as it provides evidence on the significant moderating role of size on the effect social influence on Islamic Health Insurance acceptance intention among microenterprises.

Suggested Citation

  • Mansur Ahmed Kazaure & Addul Rashid Abdullah, 2019. "The Microenterprising Size And Acceptance Of Islamic Health Insurance (Takaful) In Northwestern Nigeria," Journal of Islamic Monetary Economics and Finance, Bank Indonesia, vol. 5(3), pages 541-558, November.
    • Handle: RePEc:idn:jimfjn:v:5:y:2019:i:3d:p:541-558
    DOI: https://doi.org/10.21098/jimf.v5i3.1153
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    More about this item

    Keywords

    Attitude; Intention; Perceived Behavioral Control; Takaful; Size; Social Influence;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private

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