Mengukur Kefahaman Ejen Terhadap Produk Takaful
Keywords:
Takaful, Kefahaman, Produk Takaful, Ejen Takaful, Understanding, Takaful product, Takaful agentAbstract
Makalah ini bertujuan untuk mengukur sejauh mana kefahaman ejen Takaful terhadap produk insurans Islam iaitu Takaful. Ejen Takaful bagi kajian ini terdiri daripada lima buah syarikat Takaful yang dipilih dalam Malaysia. Oleh kerana
industri Takaful semakin mengambil langkah inovatif untuk meningkatkan usaha pemasaran produk, ejen Takaful bukan sahaja berperanan menjual produk Takaful tetapi mereka juga bertanggungjawab untuk mendidik dan memberi pendedahan kepada masyarakat mengenai Takaful. Tanpa pemahaman ejen Takaful yang baik, mereka akan gagal memenuhi tanggungjawab mereka untuk memasarkan produk Takaful dan dalam masa yang sama industri Takaful bakal terjejas. Oleh itu, pemahaman ejen Takaful yang baik terhadap produk Takaful sangat penting untuk pemasaran Takaful dalam membantu masyarakat Islam memilih Takaful sebagai perlindungan patuh Shariah. Menggunakan sebanyak 103 sampel dari responden di lima buah syarikat Takaful di Malaysia, soalan kaji selidik diedarkan untuk mengukur kefahaman ejen terhadap produk Takaful. Hasil kajian mendapati produk Takaful memberikan keputusan tidak signifikan terhadap pemahaman ejen Takaful.
Kata kunci: Takaful; Kefahaman; Produk Takaful; Ejen Takaful
This paper strives to explore agents’ understanding of product in Islamic insurance, which is Takaful. The Takaful agents for this study consisted of five selected Takaful companies in Malaysia. As the Takaful industry is increasingly taking innovative steps to enhance its product marketing efforts, Takaful agents are not only required to promote Takaful products but they also need to educate and expose the public about the roles of Takaful. Without proper knowledge by the Takaful agent, they may contribute false information to the public in marketing the product and it will have side effects on the Takaful industry. Therefore, a competent Takaful agent with sufficient knowledge is vital in marketing the Takaful industry and helps the public choose it as it complies with the Shariah. Using a sample of 103 respondents from
five Takaful companies in Malaysia, the questionnaire was developed to measure agents’ understanding of Takaful’s products. The result shows the Takaful product does not significantly contribute to the understanding of Takaful agents.
Keywords: Takaful; Understanding; Takaful product; Takaful agent
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