PENGARUH LITERASI KEUANGAN DAN RISK ATTITUDE TERHADAP KEPEMILIKAN ASURANSI JIWA
DOI:
https://doi.org/10.26593/jab.v18i1.5471.17-35Keywords:
Financial Literacy, Risk Attitude, Life Insurance OwnershipAbstract
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.
References
Adiandari, A. M., & Winata, H. (2017). Literasi Keuangan dan Kepemilikan Asuransi Jiwa: Observasi di Institusi Keuangan Sumatera Barat [Paper Presentation]. Forum Manajemen Indonesia (FMI 9).
Arif, M. N. R. A. (2012). Dasar-dasar pemasaran bank syariah (2nd ed.). Alfabeta, 2012.
Asosiasi Asuransi Jiwa Indonesia. (2021). Hidup cerdas dengan asuransi jiwa. Retrieved from Asosiasi Asuransi Jiwa Indonesia : https://www.aaji.or.id/File/Download/491
Chen, H., & Volpe, R. P. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/S1057-0810(99)80006-7
Chumaida, Z. V. (2013). Risiko dalam perjanjian asuransi jiwa. PT Revka Petra Media
Darmawi, H. (2006). Manajemen Asuransi. Bumi Aksara
Diah, A., & Rahardjo, I. (2021, July 31). Inklusi keuangan vs literasi asuransi. Mediaasuransinews. https://mediaasuransinews.co.id/opini/inklusi-keungan-vs-literasi-asuransi/
Hendro, T., & Rahardjo, C. T. (2014). Bank & institusi keuangan non bank di Indonesia. Retreived from OPAC Perpustakaan Nasional RI: https://opac.perpusnas.go.id/DetailOpac.aspx?id=1067603
Hillson, D., & Murray-Webster, R. (2017). Understanding and managing risk attitude [Paper Presentation]. 7th Annual Risk Conference, London, UK. https://doi.org/10.4324/9781315235448
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Ibnu, Ibnu (2021, January 5). Literasi keuangan adalah: Pengertian, manfaat, dan tingkat literasi keuangan. Retreived from Accurate : https://accurate.id/ekonomi-keuangan/literasi-keuangan-adalah/
Kahneman, D. (1992). Reference points, anchors, norms, and mixed feelings. Organizational behavior and human decision processes, 51(2), 296-312.
Keputusan Menteri Keuangan Republik Indonesia Nomor 481/KMK.017/1999 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi
Kitab Undang-Undang Hukum Dagang Pasal 246 tentang Asuransi
Lin, C., Hsiao, Y. J., & Yeh, C. Y. (2017). Financial literacy, financial advisors, and information sources on demand for life insurance. Pacific-Basin Finance Journal, 43, 218-237.
Mahdzan, N. S., & Victorian, S. M. P. (2013). The determinants of life insurance demand: A focus on saving motives and financial literacy. Asian social science, 9(5).
Margaretha, F., & Pambudhi, R. A. (2015). Tingkat literasi keuangan pada mahasiswa s-1 fakultas ekonomi. Jurnal Manajemen Dan Kewirausahaan, 17(1), 76–85. https://doi.org/10.9744/jmk.17.1.76-85
Media, K. C. (2018, November 17). Baru 1,7 persen penduduk Indonesia yang miliki asuransi. Retreived from Kompas: https://ekonomi.kompas.com/read/2018/11/17/200454426/baru-17-persen-penduduk-indonesia-yang-miliki-asuransi
Mehr, R. I., & Cammack, E. (1980). Principles of insurance. Tan Chiang Book Co.
Mitchell, O., & Lusardi, A. (2011). Financial literacy and retirement planning in the united states. Journal of Pension Economics and Finance, 10, 509–525. https://doi.org/10.2139/ssrn.1810550
Nur, S. A. (2020). Pengaruh Literasi Keuangan, Risk Attitude, Tingkat Pendapatan, dan Kompetensi Perusahaan Terhadap Permintaan Asuransi dengan Kecenderungan Membeli Sebagai Variabel Mediasi [Doctoral Dissertation]. STIE Perbanas Surabaya
Nurhayati, I. D., & Lestari, W. (2017). Pengaruh faktor demografi dan persepsi risiko terhadap keputusan berasuransi jiwa. [Doctoral Dissertation], STIE Perbanas Surabaya
Otoritas Jasa Keuangan. (2019). Buku 4: Perasuransian, Seri Literasi Keuangan Perguruan Tinggi. Otoritas Jasa Keuangan. Jakarta.
Otoritas Jasa Keuangan. (2013). Literasi Keuangan. Retrieved from Otoritas Jasa Keuangan:https://www.ojk.go.id/id/kanal/edukasi-dan-perlindungan-konsumen/Pages/literasi-keuangan.aspx
Poedjosoebroto, S. (1969). Beberapa aspek tentang hukum pertanggungan djiwa di Indonesia. Retreived from OPAC Perpustakaan Nasional RI: https://opac.perpusnas.go.id/DetailOpac.aspx?id=99283
Pratiwi, R. S. (2021, January 10). Perhatikan, Pentingnya Miliki Asuransi Jiwa Sesuai Kebutuhan. Retrieved from kompas: https://lifestyle.kompas.com/read/2021/01/10/110731820/perhatikan-pentingnya-miliki-asuransi-jiwa-sesuai-kebutuhan?page=all
Putriansyah, I. (2014). Cara Menghitung Uang Pertanggungan. Retreived from CAR: https://www.car.co.id/id/ruang-publik/tips-trik/careinsurance/cara-menghitung-uang-pertanggungan
Rasyid, R. (2012). Analisis tingkat literasi keuangan mahasiswa program studi manajemen Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis, 1(2)
Rohrmann, B. (2008, June). Risk perception, risk attitude, risk communication, risk management: A conceptual appraisal [Conference Paper]. 15th International Emergency Management Society (TIEMS) Annual Conference.
Sadewo, N. T. (2018). Pengaruh literasi asuransi syariah terhadap minat nasabah (studi pada PT. asuransi jiwa syariah Al-Amin kantor cabang Lampung) [Doctoral Dissertation]. UIN Raden Intan Lampung.
Silvy, M., & Yulianti, N. (2013). Sikap pengelola keuangan dan perilaku perencanaan investasi keluarga di surabaya. Journal of Business and Banking, 3(1), 57. https://doi.org/10.14414/jbb.v3i1.254
Sin, T. S., & Chee, L. C. (2017). A preliminary study on the relationship between psychographic factors and the purchase of life insurance. International Journal of Management Studies.https://doi.org/10.32890/ijms.24.1.2017.10474
Sudarsono, H. (2018). Bank dan Lembaga Keuangan Syariah: deskripsi dan ilustrasi. Ekonisia FE UII.
Sugiyono. (2018). Metode penelitian kuantitatif, kualitatif dan kombinasi (mixed methods). Alfabeta
Sugiyono, P. (2017). Metode Penelitian Bisnis: Pendekatan Kuantitatif, Kualitatif, Kombinasi, dan R&D. CV. Alfabeta
Survei Nasional Literasi dan Inklusi Keuangan. (2019). Survei nasional literasi dan inklusi keuangan 2019. Retreived from Otoritas Jasa Keuangan : https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Survei-Nasional-Literasi-dan-Inklusi-Keuangan-2019.aspx
Undang-undang No. 40 tahun 2014 tentang perasuransian (Lembaran Negara Republik Indonesia Tahun 2014 Nomor 337 Tambahan Lembaran Negara Republik Indonesia Nomor 5618) Retrieved from https://www.ojk.go.id/id/kanal/iknb/regulasi/asuransi/undang-undang/Documents/Pages/Undang-Undang-Nomor-40-Tahun-2014-Tentang-Perasuransian/UU%20Nomor%2040%20Tahun%202014.pdf
Warneryd, K.E. (1996). Risk attitudes and risky behavior. Journal of Economic Psychology, 17(6), 749–770.
Weston, J. F., Copelan, T. E., & Wasana, J. (1995). Manajemen Keuangan Edisi 9. Binarupa Aksara.
Yushita, A. N. (2017). Pentingnya literasi keuangan bagi pengelolaan keuangan pribadi. Nominal: Barometer Riset Akuntansi Dan Manajemen, 6(1), 11–26. https://doi.org/10.21831/nominal.v6i1.14330
Yusuf, F. F. (2017). Pengaruh literasi keuangan, persepsi risiko, dan pendapatan terhadap keputusan [Disertasi]. eprints.perbanas.ac.id. http://eprints.perbanas.ac.id/2834/1/ARTIKEL%20ILMIAH.pdf
Downloads
Published
Issue
Section
License
Copyright (c) 2022 Jurnal Administrasi Bisnis
This work is licensed under a Creative Commons Attribution 4.0 International License.
The submitted article has never been previously publish in scientific journals, proceedings, or other electronic journals. The copyright of the accepted articles are belongs to Jurnal Administrasi Bisnis (JAB).
