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By using our site, you agree to our collection of information through the use of cookies. To learn more, view our Privacy Policy. To browse Academia. Life insurance is a financial product that protects individuals from the risk of unfortunate events such as death and disability. Although the life insurance market is showing increased penetration, many still do not have life insurances. Purpose: This research aimed to analyze the influence of consumer trust in the relationship between the relationship of perceived risk and consumer knowledge with behavior intention. The research was conducted on respondents in Makassar and Balikpapan. Data were collected through an online questionnaire. Findings: Perceived Risk: financial risk, performance risk, physical risk, social risk and overall risk have negative influences and not significant to behavior intention. Consumer knowledge have a positive influence and significant to behavior intention. Consumer trus Package as a financial product, life insurance is created to provide protection to the insured individual from the risk of unfavourable events such as sudden death and total disability of the policyholder that may affect the family that depends on the breadwinner in their lives. Though the market shows improvement in penetration, many still do not own life insurance. Statistically speaking 5 out of 10 Malaysians have yet protected themselves of risk in life. This study applied the modified theory of planned behaviour TPB mediation which includes direct and indirect effects of consumer knowledge and consumer attitude towards the intention to purchase life insurance. The results found that consumer knowledge and consumer attitude had Journal of Asian Finance, Economics and Business, The purpose of this study was to analyze the influence of product quality factors, product risk, company reputation, and service quality on the purchase intention of insurance policies by customers in Indonesia. The variables in this study are product quality, service quality, company reputation, perceived risk, and purchase intention. This study uses a quantitative approach. Primary data were obtained from respondents. Data processing and model testing use the Structural Equation Modeling procedure with Lisrel 8. At the significance level of 0. The sample consists of Banks which are categorized as banking customers who have purchased bancassurance products in the Greater Jakarta area. The technique of analysis used for this research is the structural equation model. This research has been analyzed with an AMOS 20 program, and during the significance test, it indicated that fixed effect was the most appropriate method. The result of this research shows that the service quality of the salesperson shows a significant positive effect on the level of customer trust, the credibility of the seller bank shows a significant positive effect on the level of customer trust, and the credibility of the insurance company shows a significant positive effect on the level of cust This study aims to examine the factors that influence consumer purchase intention towards life insurance. The study included religiosity, risk aversion motives, saving motives, and financial literacy with classical Theory of Reasoned Action TRA , therefore extending the model. A convenience sampling method was employed to collect data from respondents working in different public and private institutions in Bangladesh. Collected data were analysed using the structural equation model SEM. The results revealed that attitude, subjective norms, risk aversion motives, saving motives, and financial literacy have a significant positive impact on consumer purchase intention towards life insurance. Moreover, religiosity was found to have a negative impact on purchase intention. In addition, saving motives was found as a mediator in the relationship between risk aversion motives and purchase intention, as well as between financial literacy and purchase intention. Since attitude and subj The number of smartphone users in the country in the same period reached The development of communication and information technology provides a significant changes or influence on the growth and development of startup companies, especially in e-commerce industry in Indonesia. The results of the study show that Internet consumers trust, perceived risk, and perceived benefit have strong impacts on their purchasing intention and decisions. The number of respondents in this study amounted to respondents who aim to represent the number of existing population. Life insurance is one of the solutions for managing personal financial risks. It is effective in protecting surviving individuals of families against loss of income resulting from the premature death of bread providers. This study aims to investigate the explanatory factors influencing perception toward life insurance. The research was underpinned by the Perception Formation Model and further supported results of previous findings. Using primary data drawn from respondents up to the age of 35 years old, results based on Variance-based Structural Equation Modelling SEM suggested intention to purchase life insurance was related by how people perceive the product itself. As expected, those who favorably perceive life insurance have more inclination to purchase. The study implicated industry players in terms of the The sharptooth fish Clarias gariepinus is widespread throughout tropical swamps, lakes, and rivers in Africa. Among the parasites related to this fish, there is a large number of helminths. This study investigated the most abundant helminths from C. Of the specimens of C. Paracamallanidae and Rhabdochona sp. Rhabdochonidae were collected. For the cestode Tetracampos sp. Bothriocephalidae , individuals were identified. A short description was performed for each parasite species based on micrographs provided by photomicroscopy and scanning electron microscopy. The total prevalence was found to be Climatic season change did not influence host infection neither in sexes nor in body weight. Water physicochemical quality is not correlated with infection prevalence. Helminthes infecting C. Their prevalence was not influenced by environmental or fish morphometric parameters. The specific identification should be improved with genetics. This article looks at the current lack of enforcement and sanctions in European Data Protection Law with a particular focus on administrative fines. The article argues that the practical application of the new rules and the coordination of Data Protection Authorities DPAs in all member states of the EU are the key to more efficient sanctioning and enforcement through administrative fines. Poster in the conference, Future Directions: Physics-based ground motion modeling, Log in with Facebook Log in with Google. Remember me on this computer. Enter the email address you signed up with and we'll email you a reset link. Need an account? Click here to sign up. Mahiuddin Sabbir. IJAR Indexing. Factors related to insurance purchase intention in Thailand Santi Krajaechun. Occurrence of Tetracampos sp. Cestoda and Paracamallanus sp. This research aimed to analyze the influence of consumer trust in the relationship between the relationship of perceived risk and consumer knowledge with behavior intention. Perceived Risk: financial risk, performance risk, physical risk, social risk and overall risk have negative influences and not significant to behavior intention. Consumer trust was a variable that mediated the influence of perceived risk and consumer knowledge on behavior intention. Attribution-ShareAlike 4. Introduction Most people are in need of wealth management. They have various financial and personal goals they want to attain for themselves, their families, and perhaps for charitable entities and others. To help getting their goals, there are several options of investment products, financing plans, insurance coverages, taxsaving ideas, retirement plans, trusts, charitable giving arrangements, and other products and ideas. Journal of Indonesian Social Science, Vol. Since risk is almost always inherent in human life, it must be managed properly Bong, One way to reduce this risk is to buy an insurance policy from an insurance company Abdelfattah et al. Meanwhile, the new density figure is around Rp 1. Meanwhile, in terms of density, Indonesia's position is better, but it still occupies the bottom position, which is ranked 9th out of 10 countries. Insurance penetration in Indonesia is assumed to be in the territory of Indonesia that has large population, which is the western part of Indonesia. Meanwhile in The Central and Eastern Indonesia, the majority of the population is in the urban part. The per capita income of residents in the two cities is quite high, which is among the top 5 compared to other cities in central and eastern Indonesia, therefore it is expected that insurance users can be increasing in both cities. However, it is necessary to look again at the factors that will influence people to buy insurance products. While numerous studies have been conducted to examine the role of perceived risk as a barrier to product purchases. Consumer knowledge and perceived risk will affect the consumer trust. It can be concluded that perceived risk and consumer knowledge will affect to consumer trust, while consumer trust will affect positively to behavior intention. Instead of getting protection from losses, people think they will lose their money because of insurance company failure. High perceived risk will reduce the repurchase online Lobb et al. Besides that, financial literacy and inclusion in Indonesia is still low. The insurance literacy that is low shows that knowledge and understanding of the people in Indonesia is still low. Based on these assumptions, this study was conducted to observe how people's perceived risks to use insurance products, their knowledge of insurance that will affect perceptions of insurance products and companies, and mediated by the level of consumer trust in insurance products and the insurance industry. The aim of this study is to investigate the relationship between perceived risk, consumer trust, consumer knowledge, and behavior intention in life insurance products in Balikpapan and Makassar. Specifically, this study seeks to achieve the following objectives: 1. To determine whether perceived risk has a significant influence on behavior intention in life insurance products in Balikpapan and Makassar. To examine whether perceived risk has a significant influence on consumer trust in life insurance products in Balikpapan and Makassar. To investigate whether consumer knowledge has a significant influence on consumer trust in life insurance products in Balikpapan and Makassar. To explore whether consumer trust has a significant influence on behavior intention in life insurance products in Balikpapan and Makassar. To examine whether perceived risk has an indirect effect on behavior intention in life insurance products in Balikpapan and Makassar through consumer trust. To investigate whether consumer knowledge has an indirect effect on behavior intention in life insurance products in Balikpapan and Makassar through consumer trust. Materials and Methods The research method used in this study is an explanatory research design with a quantitative approach. The data were collected from individuals in the range of age between 20 years old until 59 years old in Balikpapan and Makassar City, using purposive random sampling as the sampling technique. The number of samples was determined based on the results of the minimum sample calculation using the Hair method, with a maximum sample of respondents. The data sources needed in this study were internal data obtained from the respondents and questionnaire scores, as well as external data obtained through various external reports of the organization. The study population was adults who work with the range of age between 20 years old until 59 years old in the city of Balikpapan and Makassar, based on the assumption that individuals in this range of age already have an income and are able to support family or others financially. Results and Discussions A. Descriptive Statistics Data a Variable Behavior Intention Descriptive statistical testing on questions in the variable Behavior Intention can be seen in the table 4. Table 4. This suggests that respondents tend to have a tendency to agree with the question. This implies that respondents provided funds to purchase insurance products. This indicate that respondents agreed that they knew what kind of insurance product they needed. This suggests that respondents tend to have that others are neutral towards insurance products. Indicator PR3, for the question 'What is the probability that insurance products are not safe, for example: unable to provide the promised benefits ' has the lowest average value of 3, This suggests that respondents felt that it was likely that the insurance product was safe enough. This shows that respondents quite agree that the Insurance product gives protection against the risk of loss in the future. Indicator PK4 for the question 'I understand about the types of insurance' has the lowest average value of 5. This suggests that respondents agree that they understand the types of insurance. This shows that respondents agreed to believe in the benefits and protection of the insurance product. The CT4 indicator, which is the question 'I believe the insurance product I have will provide protection as expected' has the lowest average value of 5. This shows that respondents agreed to believe their insurance products would provide protection as expected. The indicator is valid if it has a standardized loading factor value greater than 0. It shows that this indicator is able to measure variables well. It can also be said that all indicators on the Behaviour Intention variable are valid. Figure 4. This shows that the indicator is able to measure variables well. It also can be said that all indicators on the Perceived Risk variable are valid. This shows that the indicator able to measure variables well. It also can be said that all indicators on the Consumer Knowledge variable are valid. It can also be said that all indicators on the Consumer Trust variable are valid. Hypothesis Test Hypothesis test uses the results of direct influence test for hypothesis 1 to hypothesis 5. The magnitude of the influence is directly obtained from regression weight. As for hypothesis 6 and hypothesis 7, it uses the results of indirect influence tests. Because there is a direct and also indirect influence for variable Consumer Knowledge and Perceived Risk, the calculation of the influence of total variables is also carried out. SEM Analysis Results a. Direct Influence The results of direct influence testing or regression weight can be seen in the table 4. This shows that the influence of perceived risk on consumer trust is positive. This shows that the influence of consumer knowledge on consumer trust is positive. This shows that consumer trust has a positive influence on consumer behavior interests. This shows that risk negatively influences the interest in consumer behavior. This shows that consumer knowledge positively affects the interest in consumer behavior. Indirect Influences The results of indirect influence testing can be seen in the table 4. This shows that risk positively affects the interest in consumer behavior through consumer trust as a mediating variable. This shows that consumer knowledge positively affects the interest in consumer behavior through consumer trust as a mediating variable. Good Fit Model Test results for fit moedel can be seen in the table 4. Relatively this shows that the model formed is poor. This value is less than 0. This shows that the model formed is poor. This value is less than 2, This shows that the model formed is fit. This value is greater than 0. Discussion a. This shows that perceived risk negatively affects the consumer behavior intention. This means that if the risk to be faced by consumers is low, then consumers will tend to have an intention in buying or participating in insurance programs. On the other hand, if consumers think that the risk to be obtained is high, then respondents will tend to decrease their intention to use insurance or a tendency to abandon insurance that has been used. This value shows that the influence of perceived risk on Behavior Intention is significant. So that the conclusion is reached that the influence of Perceived Risk on Behavior Intention is negative. Perceived risk is the uncertainty a consumer has when buying items, mostly those that are particularly expensive Sandy and Firdausy, This is in line with research conducted by Putra et al. In online transactions consumers will be willing to make transactions if they have a low risk. The higher the perceived risk, the lower the consumer's intention to make online transactions. This result is in line with the results of Nugroho's research The study shown that the four variables namely Perceived Ease in Use, Perceived Usefulness, Perceived in Risk, and Trust have significant effect on consumer interest in transacting over the internet. Also Perceive in Risk is a variable that has the most dominant influence on consumer intentions to transact over the Internet. Based on hypothesis test 3, the results of t-count are greater than ttable. It is concluded that hypothesis 3 is accepted, which means that the Perceived Risk variable has an effect on Behavior Intention. This shows that the influence of Perceived Risk on consumer trust is positive. This means that when the perception of consumers or respondents to the risks faced is low, consumer trust will also be low. Conversely when the perceived risk is high, consumer trust will increase. The p value is 0. So it can be concluded that the influence of perceived risk on consumer trust is not significant. The results of the study contradict the results of previous studies. This could happen because respondents' responses to questions on variable perceived risk tend to be low. This can be seen from table 4. This shows that respondents tend to have a low perceived risk. In addition, by looking at the demographics of respondents, out of respondents, only 10 respondents did not have insurance. This shows that most of the respondents already understand the benefits of insurance itself. So that respondents tend to give a good response to the perceived risk or it can be said that respondents already understand that the risk of using insurance is small and tends to be safe. This shows that the effect of Consumer Knowledge on Consumer Trust is positive. These results show that if consumers know extensive knowledge related to a product, consumers trust in the product will tend to increase. On the other hand, if the consumer's knowledge related to the product tends to be narrow, it will reduce consumer trust in the product. This means that the influence of Consumer Knowledge on Consumer Trust is significant. So that it can be implied that Consumer Knowledge has a positive effect on Consumer Trust. This result is in line with the opinion According to Sumarwan , consumer trust is consumer knowledge regarding the trust of a product having various attributes, and the benefits of these various attributes. This result is also supported by the opinion of Mowen and Minor who define consumer trust as all the knowledge possessed by the consumer and all the conclusions that the consumer makes about its objects, attributes and benefits. Objects can be products, people, companies and everything to which a person has beliefs and attitudes. This result is also supported by the results of research from Fernanta, Anastasius Hendy which obtained the results of the influence of knowledge about e-commerce, perception of reputation, perceived risk, perceive ease of use on trust. This shows that consumer trust has a positive effect on consumer behavior intention. This means that if consumer trust in a product is high, consumers will tend to have an increased intention in buying the product. Conversely, if consumers trust in the product is low, the intention in buying the product will decrease. This means that the influence of Consumer Trust on Behavior Intention is significant. So it can be implied that Consumer Trust has a positive effect on Behavior intention. The results of this study are in line with the results of Fadilah's research, Muinah , that Perceived benefit and Product, consumers trust positively influence purchase intention. Mahliza in her research also shown that consumer trust has a significant positive effect on online purchase decision. This shows that the perceived risk has a positive indirect influence on the consumer Behavior Intention through Consumer Trust as a mediating variable. Based on table 4. On the direct influence of Perceived Risk on Behavior Intention is positive. Meanwhile, when through Consumer Trust, it has an indirect influence of 0. There is a change in sign or influence, which at the beginning is negative when passed the mediation variable becomes positive. This shows that there is a mediating effect of the variables passed. So it can be concluded that consumer trust is able to mediate the relationship between Perceived risk and Behavior Intention. The results of this study are in line with the results of the research of Putri, C. Perceived risk also has a significant negative influence on online Journal of Indonesian Social Science, Vol. Trust has a significant positive effect on online purchase intent on the Lazada site and trust is significantly able to mediate the relationship between perceived risk and online purchase intention on the Lazada site. Trust has a mediating effect between each of the risk dimensions and buying intentions of Yaping and Jin, , Murwatiningsih and Apriliani This shows that Consumer Knowledge positively affects the consumer Behavior Intention through Consumer Trust as a mediating variable. This shows that consumer knowledge positively affects the consumer Behavior Intention. The direct influence of Consumer Knowledge towards Behavior Intention is 0. Meanwhile, indirect influence through Consumer Trust is 0. It appears that there is an increase in influence, from direct influence to indirect influence. So it can be concluded that Consumer Trust is able to mediate the relationship between Consumer Knowledge and Behavior Intention. The results of this study are in line with the results of Fadilah's research, Muinah The results shown that perceived benefit and product consumers trust positively influence purchase intention. Mahliza, Febrina in her research also shown that Consumer Trust has a significant positive effect on online purchase decision. In the study, there was a direct influence and an indirect influence because of the existence of variable mediation. So there is also a total influence. The total influence is the summation between direct and indirect influences. The result is the summation of the direct influence of Perceived Risk on Behavior Intention and the influence of Perceived Risk on Behavior Intention through consumer trust as a mediation variable. Consumer Knowledge has an influence of 0. This result is a summation of the direct influence of Consumer Knowledge on Behavior Intention and the influence of Consumer Knowledge on Behavior Intention through consumer trust as a mediating variable. Conclussion Based on the results and discussion of the research, several conclusions can be drawn. Firstly, perceived risk has a negative and significant effect on consumer behavior intention. Secondly, the influence of perceived risk on consumer trust is positive but not significant. Thirdly, consumer knowledge has a positive and significant effect on consumer trust. Fourthly, consumer trust has a positive and significant effect on consumer behavior intention. Fifthly, consumer trust is able to mediate the relationship between perceived risk and behavior intention. Finally, consumer trust is also able to mediate the relationship between consumer knowledge and behavior intention. Overall, the study concludes that consumer behavior intention is not only driven by the level of consumer knowledge directly but also depends on consumer trust. The limitations of the study include a biased sample, respondents having similar perceived variables, and limited generalizations due to the data being collected in only two cities in Indonesia. As a result, the findings may not be representative of the whole population. Suggestions for insurance companies and policymakers include creating accurate and easy-to-understand educational content and regulations to increase consumer trust and minimize perceived risk. Further research is recommended with a larger sample size, exploring factors such as geography, culture, religion, and education. Additionally, research should analyze intrinsic motivation to understand factors that drive consumer behavior intention. Investor Daily, 28 Januari. 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The importance of trust factor in the intentions to purchase Islamic insurance takaful in Indonesia. Journal of Islamic Marketing. Jacob Jacoby and Leon B. Project management Ganesh sharma. Jurisprudence Mudzmar Muyong. Marcus Mota. Kreativitas Pekerjaan Mutu Bisri Alfian. Cacciotti, Beatrice ed. Roma e la Spagna in dialogo. Guidelines on writing a research proposal Dr. Awais H. Rakibe Kulcur. Panza , Zhiwei Ji. Les aqueducs romains Federico Giletti. Assessing the perception of the childbirth experience in Italian women: A contribution to the adaptation of the childbirth perception questionnaire Veronica Bertucci. Martin Van Royen. Colectividad social expandida. Sustained year-round oceanographic measurements from Rothera Research Station, Antarctica, — emma bolton. Sexual transmission of Toxoplasma gondii in sheep Fernando Souza.

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How can I buy cocaine online in Balikpapan

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How can I buy cocaine online in Balikpapan