ANALISIS FAKTOR PERILAKU PEMBELIAN ASURANSI JIWA YANG DIMEDIASI INTENSI TERHADAP NASABAH DI JABODETABEK
DOI:
https://doi.org/10.61722/jemba.v2i5.1339Abstract
Tingkat penetrasi asuransi jiwa di Indonesia masih tergolong rendah, meskipun industri ini terus tumbuh dari sisi aset dan jumlah perusahaan. Fenomena ini menunjukkan adanya kesenjangan antara ketersediaan produk dan partisipasi masyarakat. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi perilaku pembelian asuransi jiwa yang dimediasi oleh intensi, dengan fokus pada nasabah di wilayah Jabodetabek. Kerangka teori yang digunakan adalah Theory of Planned Behavior (TPB), yang mencakup tiga variabel utama: attitude, subjective norms dan perceived behavioural control. Penelitian ini menggunakan pendekatan kuantitatif dengan metode purposive sampling dan melibatkan 234 responden. Hasil penelitian menunjukkan bahwa subjective norms dan perceived behavioural control berpengaruh positif dan signifikan terhadap intention to purchase, dan intention to purchase secara positif dan signifikan memengaruhi purchase behaviour. Intention to purchase juga memediasi secara positif dan signifikan pengaruh subjective norms dan perceived behavioural control terhadap perilaku pembelian. Namun, attitude tidak memiliki pengaruh yang positif dan signifikan baik secara langsung maupun tidak langsung terhadap purchase behaviour.
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