Sanusi, Soliha
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An Assessment of Factors that Influence Takaful Patronage in Kano Metropolis Yahya, Muhammad Ghiyath; Muhammad, Aliyu Dahiru; Abdullahi, Muhammad Ibrahim; Sanusi, Soliha
Journal of Accounting Research, Organization and Economics Vol 8, No 2 (2025): JAROE Vol. 8 No. 2 August 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v8i2.37921

Abstract

Objective Takaful holds significant promise in Nigeria, particularly in the Northern region, which is predominantly inhabited by Muslims. Additionally, it is anticipated that the Northern region, which is predominantly Muslim, will favor Takaful due to the lack of interest in conventional insurance. Thus, the main objective of this study is to empirically examine the factors that influence patronage of Takaful among senior secondary school teachers in Kano metropolis.Design/Methodology This study adopted a descriptive survey research design. The study used primary data, and a questionnaire served as an instrument for data collection. The study employed a random sampling technique in selecting secondary schools from each of the eight metropolitan local governments in Kano state, and a purposive sampling technique was adopted to capture the target respondents. The study employed Structural Equation Modelling (SEM) by using SPSS version 22 and AMOS statistical software.Results The findings of the study reveal that all the independent variables of the study, namely awareness, attitude, subjective norm and perceived behavioral control, were found to significantly influence patronage of Takaful.Research limitations/implications Therefore, the study recommendations are; Firstly, National Insurance Commission (NAICOM) to liaise with relevant stakeholders (i.e., Takaful Companies) and come up with effective promotion strategy i.e., through the use of both online and offline media in order to improve the awareness level. Secondly, NAICOM and takaful companies to develop a blue print that will aim at improving the attitude of Senior Secondary School Teachers in Kano toward takaful products and services through organizing series of workshops, symposium and seminars. Thirdly, Takaful companies in collaboration with Kano State Secondary Schools Management Board (KSSSMB) to embark on enlighten Senior Secondary School Teachers in Kano to purchase takaful products and services. Lastly, Takaful companies in Kano, KSSSMB as well as relevant stake holders to advocate for incorporating Takaful into insurance policy as alternative to conventional insurance because of its recognition as an ethical mechanism for risk management.Novelty/Originality The research is novel as it highlights the relevant of takaful at school level, an area largely ignored.
DETERMINING FACTORS OF CARDLESS CASH WITHDRAWALS USAGE AT ISLAMIC BANKS IN ACEH Muharama, Zahara; Sanusi, Soliha; Mulia, Rika
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9576

Abstract

Digital transformation in Islamic banking has driven the development of cardless cash withdrawal services as an effort to enhance transaction convenience and flexibility for customers. However, the decision to use this service is influenced by various perceptual factors. This study aims to analyze the effects of efficiency, convenience, risk, and trust on customers’ decisions to use cardless cash withdrawal services at Bank Syariah Indonesia and Bank Aceh Syariah in Aceh. This research employs a quantitative approach using a survey method involving 100 respondents who are active mobile banking users. The data were analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that, partially, convenience and trust have a positive and significant effect on the decision to use cardless cash withdrawal services, while efficiency and risk do not have a significant effect. Simultaneously, all variables have a significant effect on usage decisions. These findings suggest that customers’ decisions are primarily influenced by service convenience and the level of trust in the security and reliability of digital Islamic banking services.