Literacy And Attitude to Community Interest in Syariah Accident Insurance

(Survey of Online Ojek Drivers in Bandung)

Abstract

Sharia accident insurance is a product of Sharia insurance that offers protection and minimizes the risk of accidents, particularly those caused by motor vehicle accidents, through contracts that comply with Sharia principles. Despite the positive developments in Sharia accident insurance products, they have not yet become a favored choice among the public, even with the high accident rates in Indonesia. This study aims to investigate the influence of literacy and attitudes on the public's interest in Sharia accident insurance. This explanatory research employs a quantitative approach, utilizing multiple linear regression for data analysis. The population consists of online motorcycle drivers operating along Buah Batu Street, Cijagra, Lengkong District, Bandung City. A non-probability sampling method, specifically incidental sampling, was used to select a sample of 50 respondents. The findings reveal that literacy does not significantly affect interest in Sharia accident insurance, whereas attitudes do have a significant impact. Additionally, literacy and attitudes collectively influence the public's interest in Sharia accident insurance. The implications of this research suggest that enhancing both literacy and positive attitudes towards Sharia accident insurance could increase public interest in these products. This study provides valuable insights for insurers and policymakers aiming to promote Sharia-compliant insurance products.