Analyzing Factors Influence the Adoption of Family Takaful in Malaysia Theory of Planned Behavior (TPB) Approach

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Published: Jul 30, 2025
DOI: https://doi.org/10.15642/jibec.2025.1.1.56-69
Keywords:
Family Takaful, Intention, Attitude, Subjective Norms, Perceived Behavioral Control

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Abdullah Muhammad Al-Kamal
UIN Sunan Ampel Surabaya
Muhamad Abrar Bin Bahaman
Universiti Utara Malaysia

Abstract

Family Takaful is an emerging financial protection tool based on Islamic principles that is gaining traction in Malaysia. However, the level of Family Takaful adoption has not yet reached its full potential, even though public awareness of Islamic finance is on the rise. This study aims to explore the psychological factors that influence individuals' intentions to adopt Family Takaful in Malaysia, utilizing the Theory of Planned Behavior (TPB) framework. The research employs a quantitative approach, using secondary data gathered from a previous study conducted by Muhammad Zuki & Abu Bakar, which included 272 respondents and 32 structured questions. Although the data exists, a thorough analysis has not been previously conducted. As a result, this research is specifically designed to perform an analysis and provide a comprehensive explanation of the findings obtained. Data analysis techniques applied include descriptive statistics and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results reveal that attitude, subjective norms, and perceived behavioral control significantly impact the intention to adopt Family Takaful. These findings offer theoretical contributions to the development of consumer behavior models in the realm of Islamic finance, alongside practical implications for Takaful providers to enhance their marketing strategies and improve community literacy regarding Family Takaful products.

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How to Cite
Al-Kamal, A. M. ., & Bin Bahaman, M. A. (2025). Analyzing Factors Influence the Adoption of Family Takaful in Malaysia: Theory of Planned Behavior (TPB) Approach. Journal of Integrative Sustainability and Ethics, 1(1), 56–69. https://doi.org/10.15642/jibec.2025.1.1.56-69
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Vol. 1 No. 1 (2025): June
Section
Articles
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

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