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Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah

Jihbiz: Global Journal of Islamic Banking and Finance · Vol. 8 No. 1 (2026) · hlm. 123–135

DOI
10.22373/zq3f6227
ISSN
2684-8554
Terbit
2026-02-20
Penerbit
Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

Sharia insurance can protect lives, and the insured funds can be utilized for mutual assistance among participants (tabarru’ contract). This study aims to examine the effect of financial literacy, religiosity, and trust on interest in using Sharia insurance among the community in Banda Aceh. The study employs a quantitative method with an empirical approach, and the population and sample consist of residents of Banda Aceh City. The sampling technique used is purposive sampling, with a total of 80 respondents collected through questionnaires distributed via Google Forms. Data were analyzed using multiple linear regression to test the hypotheses with the assistance of IBM Statistics software. The findings indicate that, partially, hypothesis 3 is accepted, showing that the trust variable has a significant effect on interest in Sharia insurance. Meanwhile, hypotheses 1 and 2 are rejected, indicating that financial literacy and religiosity do not have a significant effect on interest in using Sharia insurance.

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  • Muria Kudus University
  • Institut Teknologi Sepuluh Nopember
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  • Organisasi berbeda
  • Organisasi sama
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Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Muhammad ArifinMuria Kudus University3
Nevi HasnitaAfiliasi tidak diketahui2
Inayatillah DjakfarAfiliasi tidak diketahui2
Nining Puji RahayuAfiliasi tidak diketahui2
Azharsyah IbrahimAfiliasi tidak diketahui1
Muna DahliaAfiliasi tidak diketahui1
Vira Clarissa KsrisyaAfiliasi tidak diketahui1
shafia marzatiAfiliasi tidak diketahui1
AyumiatiAfiliasi tidak diketahui1
Cut Lisa Nun ZikirAfiliasi tidak diketahui1
Dian MuzerikaAfiliasi tidak diketahui1
Israk AhmadsyahAfiliasi tidak diketahui1
Sayid AbrarAfiliasi tidak diketahui1
Wildan SyakuraAfiliasi tidak diketahui1
Ayumiati AyumiatiAfiliasi tidak diketahui1
faris auliaAfiliasi tidak diketahui1
Khufwatul JannahAfiliasi tidak diketahui1
Nurraiyana AnadilaAfiliasi tidak diketahui1
Riski Walidaini UlfaAfiliasi tidak diketahui1
Birrul WalidainAfiliasi tidak diketahui1
Isnaliana IsnalianaAfiliasi tidak diketahui1
Nazar NazarAfiliasi tidak diketahui1
Lukman HakimInstitut Teknologi Sepuluh Nopember1
Muhammad RizaldiAfiliasi tidak diketahui1
Agus SumanAfiliasi tidak diketahui1
Marlina EkawatyAfiliasi tidak diketahui1
Nasywa ZhahirahAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://jurnal.ar-raniry.ac.id/index.php/jihbiz/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 7 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Determinan Minat Masyarakat Banda Aceh Untuk Menggunakan Asuransi Syariah</dc:title>
	<dc:creator xml:lang="en">Iskandar, Evy</dc:creator>
	<dc:creator xml:lang="en">Riza, Akmal</dc:creator>
	<dc:creator xml:lang="en">Putri, Indira Arsy</dc:creator>
	<dc:subject xml:lang="en">Kepercayaan</dc:subject>
	<dc:subject xml:lang="en">literasi keuangan</dc:subject>
	<dc:subject xml:lang="en">Religiositas</dc:subject>
	<dc:subject xml:lang="en">minat asuransi syariah</dc:subject>
	<dc:description xml:lang="en">Sharia insurance can protect lives, and the insured funds can be utilized for mutual assistance among participants (tabarru’ contract). This study aims to examine the effect of financial literacy, religiosity, and trust on interest in using Sharia insurance among the community in Banda Aceh. The study employs a quantitative method with an empirical approach, and the population and sample consist of residents of Banda Aceh City. The sampling technique used is purposive sampling, with a total of 80 respondents collected through questionnaires distributed via Google Forms. Data were analyzed using multiple linear regression to test the hypotheses with the assistance of IBM Statistics software. The findings indicate that, partially, hypothesis 3 is accepted, showing that the trust variable has a significant effect on interest in Sharia insurance. Meanwhile, hypotheses 1 and 2 are rejected, indicating that financial literacy and religiosity do not have a significant effect on interest in using Sharia insurance.</dc:description>
	<dc:publisher xml:lang="en">Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry</dc:publisher>
	<dc:date>2026-02-20</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/33885</dc:identifier>
	<dc:identifier>10.22373/zq3f6227</dc:identifier>
	<dc:source xml:lang="en">Jihbiz: Global Journal of Islamic Banking and Finance; Vol. 8 No. 1 (2026); 123-135</dc:source>
	<dc:source>2684-8554</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.ar-raniry.ac.id/index.php/jihbiz/article/view/33885/12581</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Evy Iskandar, Akmal Riza, Indira Arsy Putri</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>