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All Journal Jurnal Administrasi Bisnis
Pwee Leng
Program Manajemen Keuangan, Universitas Kristen Petra, Surabaya
Economics, Econometrics & Finance

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PENGARUH LITERASI KEUANGAN DAN RISK ATTITUDE TERHADAP KEPEMILIKAN ASURANSI JIWA Cindy Wahono; Pwee Leng
Jurnal Administrasi Bisnis Vol. 18 No. 1 (2022)
Publisher : Business Administration Department - Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/jab.v18i1.5471.17-35

Abstract

Public understanding of insurance ownership is proven to be shallow, which can be seen from the low insurance literacy index in Indonesia. The same thing is also shown by the small number of people who already have insurance at a young age. Insurance ownership is also influenced by people's attitudes toward reducing and managing risk. This study aims to examine the effect of financial literacy and risk attitude on life insurance ownership. This study is an associative research by taking 124 respondents who own life insurance. Data was collected through a google form questionnaire and processed using a Likert scale. The data were then analyzed by logistic regression IBM SPSS Statistics 18. The results showed that financial literacy had a significant effect on life insurance ownership, while risk attitude had no significant effect on life insurance ownership. Risk Attitude has no effect on insurance ownership because people prefer low premium values. On the other hand, insurance ownership can still be increased by increasing public awareness of the uses and benefits of insurance, especially for planning and managing personal finances.
Co-Authors Cindy Wahono