Survey Questionnaire

INTENTION TO PURCHASE FAMILY TAKAFUL SCHEMES IN PAKISTAN

Dear Respondents,
I am Shahab Aziz, a candidate pursuing Phd degree at International Business School, Universiti
Teknologi Malaysia, Kuala Lumpur, Malaysia. I have to investigate “the factors that lead to the
intention to purchase family takaful” in order to complete my study. Family takaful is shariah
compliant alternative to the conventional life insurance that tries the Muslims free from sins of
riba/interest. This study also will assist takaful companies in providing better services. Hence, I
would be truly grateful on your cooperation in completing the questionnaire. Your answer to the
questionnaire is confidential

Your cooperation is very much appreciated. Thank you.

Shahab Aziz
PhD. Candidate
International Business School
Universiti Teknologi Malaysia, Kuala Lumpur, Malaysia

Please indicate the degree of your agreement by choosing the appropriate answer. Choose only one
answer that best reflect yourself for each statement.
SECTION A:

Strongly Disagree Neutral Agree Strongly

Behavioural Disagree Agree
Intention (1) (2) (3) (4) (5)
I am likely to choose family takaful scheme in
future.

I expect to purchase family takaful scheme.

I want to purchase family takaful scheme.

1
Given the chance, I predict I will purchase
family takaful scheme in the future.

Strongly Disagree Neutral Agree Strongly

Attitude Disagree Agree
(1) (2) (3) (4) (5)
I think purchase of family takaful scheme is a
good thing to do.

I think purchase of family takaful scheme is

beneficial.

I think purchase of family takaful scheme is

valuable.

I think purchase of family takaful scheme is a

wise idea.

I would be happy if I purchase family takaful

scheme

Strongly Disagree Neutral Agree Strongly

Subjective Disagree Agree
Norms (1) (2) (3) (4) (5)
People who influence my decision think that I
should purchase family takaful scheme

People whose opinions I value think I should

purchase family takaful scheme

People who are close to me think that I should

purchase family takaful scheme

People who influence my behaviour think that

I should purchase family takaful scheme

Strongly Disagree Neutral Agree Strongly

Perceived Behavioural Disagree Agree
Control (1) (2) (3) (4) (5)
I would be able to purchase family takaful
scheme to protect my risk.

Purchase of family takaful scheme is entirely

within my control.

It is mostly up to me whether or not to

purchase family takaful scheme.

I have the resources necessary to purchase

family takaful scheme.

2
I have the ability necessary to purchase family
takaful scheme.

Strongly Disagree Neutral Agree Strongly

Knowledge Disagree Agree
(1) (2) (3) (4) (5)
I would like to discuss the possibility to purchase
family takaful scheme

I would like to know what documents are needed if

I want to purchase family takaful scheme

I would like to know what benefits are covered if I

decided to purchase family takaful scheme

I would like to know how family takaful scheme is

better than life insurance.

Strongly Disagree Neutral Agree Strongly

Perceived Religiosity Disagree Agree
(1) (2) (3) (4) (5)
I believe family takaful is in line with Islamic
philosophy of doing takaful business.

I believe family takaful is based on the Islamic

principle of business implementation.

I believe family takaful is based on Al-Quran and

Hadith.
I believe family takaful is free from riba.

I believe family takaful is free from fraud.

Strongly Disagree Neutral Agree Strongly

Usefulness Disagree Agree
(1) (2) (3) (4) (5)
Using family takaful schemes will improve my
performance in handling my financial needs.

Using family takaful schemes will improve my

productivity of handling my financial needs

Using family takaful schemes will enhance my

effectiveness of handling my financial needs

3
Family takaful schemes will be useful in handling
my financial needs.

Strongly Disagree Neutral Agree Strongly

Trust Disagree Agree
(1) (2) (3) (4) (5)
Based on my belief about family takaful I think it
is honest.

Based on my belief about family takaful I think it

cares about customers.

Based on my belief about family takaful I think it

is trustworthy

Based on my belief about family takaful family, I

think it is predictable.

Strongly Disagree Neutral Agree Strongly

Media Referent Disagree Agree
(1) (2) (3) (4) (5)
I read/saw news/reports that having family takaful
scheme was a good way to protect my life and my
family

The media and advertisement consistently

recommend purchasing family takaful scheme

In my profession, it is advisable to have family

takaful scheme

Media are full of reports, articles, and news

suggesting purchase of family takaful scheme is a
good idea

Strongly Disagree Neutral Agree Strongly

Word of Mouth Disagree Agree
(1) (2) (3) (4) (5)
My referent (religious teacher/ peers/
friends/family) would think that I should purchase
family takaful scheme
My referent (religious teacher/ peers/
friends/family) would think that I should try out
family takaful scheme to protect myself and my
family from unforeseen risk
Family takaful scheme agents think that I should
purchase family takaful scheme
Family takaful scheme agents think that I should
try out family takaful scheme to protect myself and
my family from unforeseen risk
My employers think that I should purchase family
takaful scheme.
4
My employers think that I should try out family
takaful scheme to protect myself and my family
from unforeseen risk

Strongly Disagree Neutral Agree Strongly

Resource Facilitation Disagree Agree
Condition (1) (2) (3) (4) (5)
I have time to purchase family takaful scheme

I have enough money to purchase family takaful

scheme

I have sufficient resources to purchase family

takaful scheme

I have access to an agent to purchase family

takaful scheme

The resources needed to purchase family takaful

scheme is available to me

Strongly Disagree Neutral Agree Strongly

Financial Self Disagree Agree
Efficacy (1) (2) (3) (4) (5)
I am fully capable of making personal investment
decisions regarding family takaful schemes.

I am confident in my ability to make personal

investment decisions regarding family takaful
schemes.
Using investment information available is well
within the scope of my abilities to purchase family
takaful schemes.
My past experiences increase my confidence that I
will be able to successfully make personal
investment decisions regarding family takaful
schemes.

Strongly Disagree Neutral Agree Strongly

Individual Risk Disagree Agree
Vulnerability (1) (2) (3) (4) (5)
I am engaged in these health-related behaviors.
E.g. smoking.

I am engaged in these finance-related behaviors.

E.g. gambling, risky investment.

I am engaged in these career-related behaviors.

E.g. quitting a job without another to go to.

I am engaged in these safety-related behaviors?

E.g. fast driving, city cycling without a helmet.

5
 I am engaged in these social-related behaviors?
E.g. standing for election, challenging a rule.

SECTION B: GENERAL INFORMATION

Question: Please tick relevant answers.

1 Gender
Male 1 7. Monthly household income
Female 2 Less than PKR 20,000 1
PKR 20,000 – PKR 39,999 2
2 Age PKR 40,000 – PKR 59,999 3
25 to 29 years old 1 PKR 60,000 – PKR 79,999 4
30 to 34 years old 2 PKR 80,000 – PKR 100,000 5
35 to 39 years old 3 More than 10,0000 6
40 to 44 years old 4
45 to 50 years old 5 8. Monthly savings
No saving 1
5 Less than PKR 5,000 2
PKR 5,000 – PKR 9,999 3
3 Occupation PKR 10,000- PKR 14,999 4
Clerk 1 PKR 15,000- PKR 19,999 5
Officer 2 PKR 20,000- PKR 25,000 6
Executive 3 More than PKR 25,000 7
Director 4
Others: Please state:______ 5

4 Occupation Status
Public sector 1
Private sector 2
Self employed 3
Others: Please state:_______ 4

5 Marital status
Single 1
Married 2
Divorced 3

6 Highest education level

A-Level/ Matriculation 1
Techinical Diploma  2
Bachelor’s degree 3

6
Master’s degree 4
MS/ Mphill/Doctorate 5