Analisis WTP pada Asuransi Syariah Fulnadi di Representatif Office Takaful Keluarga Cisalak

Abstract

People now take into account the risks that are influenced in their life such as, material, educational, damage, loss, as well as their death. One option to protect it is with insurance as means to protect all that people have. Sharia insurance is the management of risk that possibly be occurred, which is based on Islamic Shari'a. One of the sharia insurance product is Fulnadi (Takaful Dana Pendidikan) which offered by PT. Takaful Keluarga. The objective of this research is to analyze the factors that influence the participants about WTP for insurance and find out the highest contributions of participants about WTP for insurance. The analytical method was using descriptive analysis, logistic regression and the contingent valuation method. Based on the results obtained, the factors that influence willingness to pay is the level of education, other insurers followed by respondents and the level of salary. The nominal value of the increase premium which is willingness to pay for the Fulnadi Insurance respondents amounted to the highest of Rp 1.571.429 per year.