How Work and Lifestyle Affect Joining Al-Khairat Insurance at PT Takaful Keluarga Makassar Branch

Abstract

This research is motivated by work and lifestyles that involve quite high risks, for example, work in factories, mines, electricians, and others that need protection. Lifestyles that involve quite high risks include hobbies such as rock climbing, skydiving, diving, and so on. Therefore, work and lifestyle have quite a big risk, so you ultimately need insurance as a form of self-protection. Therefore, researchers have the desire to explore more deeply the influence of work and lifestyle on the decision to become an Al-Khairat insurance participant. This type of research is quantitative research using a descriptive approach, data collection techniques using documentation, and questionnaires distributed via Google Forms that are filled out by Takaful Al-Khairat insurance customers in Banjarmasin. The sampling technique used by researchers is the total sampling technique, and the data analysis technique used is the multiple linear regression analysis method and data testing using IBM SPSS Statistics 25 for Windows software. The results of this research show that: the job variable (X1) has a partial effect on decision-making (Y) with a tcount value greater than t table and a significance level greater than 0.05. The lifestyle variable (X2) has a partial effect on decision-making (Y) with a t value greater than t table and a significance level smaller than 0.05. The variables Job (X1) and Lifestyle (X2) simultaneously influence Decision Making (Y) to become a participant in Al-Khairat Insurance at PT Takaful Keluarga Makassar Branch in Banjarmasin with Fcount and Ftable values with sig values. 0.000 < 0.05