Pengaruh Gaya Hidup, Pendapatan, Religiusitas, dan Kepercayaan terhadap Keputusan Berasuransi Syariah pada Generasi Milenial di Kota Medan

Anita Cerahma Siregar; Tri Inda Fadhila Rahma; Isnaini Harahap

doi:10.59059/jupiekes.v4i2.3295

Authors

Anita Cerahma Siregar Universitas Islam Negeri Sumatera Utara
Tri Inda Fadhila Rahma Universitas Islam Negeri Sumatera Utara
Isnaini Harahap Universitas Islam Negeri Sumatera Utara

DOI:

https://doi.org/10.59059/jupiekes.v4i2.3295

Keywords:

Decision to Use Islamic Insurance, Income, Lifestyle, Religiosity, Trust

Abstract

This study aims to investigate how lifestyle, income, religiosity, and trust influence the decision of millennials in Medan City to choose Islamic insurance. A quantitative approach was adopted using an explanatory research design. The study focused on millennials aged 30 to 45 years, with a sample of 100 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach through SmartPLS 4. The results indicate that lifestyle and income have a positive and significant influence on the decision to choose Islamic insurance. In contrast, religiosity and trust do not have a significant influence on the decision. The R-Square value of 0.570 indicates that the independent variables explain 57% of the variation in the decision to use Islamic insurance, while the remaining 43% is explained by other factors outside the research model. These findings indicate that financial factors have a more prominent role than non-financial factors in influencing millennials’ decisions to choose Islamic insurance.

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