Article Sidebar
Main Article Content
Abstract
Introduction
Financial literacy on Islamic life insurance is considered low. Various things can be the causes of this low literacy including the lack of socialization, education, and professional collaboration programs.
Objectives
This study aims to analyze the literacy level of health workers regarding Islamic life insurance considering the phenomenon of still very low penetration and density of such product.
Method
This research uses descriptive quantitative methods. Primary data was obtained through a questionnaire. The population of this study was 38 health workers who worked at the Ofa Padang Mahondang Village Health Center, Pulau Rakyat District, Asahan Regency, North Sumatra Province.
Results
57.9% of respondents had a high level of financial literacy, being able to answer correctly above 80%. 34.2% of respondents were in the middle category, being able to answer correctly between 60%-80%. Only 7.9% respondents were in low category, being able to answer correctly below 60%.
Implications
The study highlights the importance of continuous education and awareness campaigns about Islamic insurance among healthcare professionals and the broader population.
Originality/Novelty
This study contributes to efforts to increase knowledge about Islamic life insurance for health workers as the spearhead of health services in Indonesia.
Keywords
Article Details
Copyright (c) 2023 Cahya Purwati Sinulingga, Andri Soemitra, Nuri Aslami
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
References
Abdullah, Z. (2018). An analysis of factors affecting the investment growth of Indonesian Islamic insurance. Journal of Islamic Economics Lariba, 4(2), 71–81. https://doi.org/10.20885/jielariba.vol4.iss2.art2
Adiandari, A. M., Winata, H., & Yuliani. (2017, November). Literasi keuangan dan kepemilikan asuransi jiwa: Observasi di institusi keuangan Sumatera Barat [Financial literacy and life insurance ownership: Observations in financial institutions in West Sumatra]. Forum Manajemen Indonesia (FMI 9). http://repo.unr.ac.id/533/
Alsakinah, R., Fasa, M. I., & Suharto. (2022). Perkembangan asuransi syariah Indonesia pada masa pandemi Covid-19 [Development of Indonesian sharia insurance during the Covid-19 pandemic]. Jurnal Dinamika Ekonomi Syariah, 9(2), 111–121. https://doi.org/10.53429/jdes.v9i2.390
Amran, Y. (2017). Peningkatan peran wanita dalam pengembangan ilmu kesehatan masyarakat [Increasing the role of women in the development of public health science]. Jurnal Harkat : Media Komunikasi Gender, 13(1), 61–69. https://journal.uinjkt.ac.id/index.php/psga/article/view/7716
Andini, A. P., & Maghfiroh, S. (2022). Perkembangan dan potensi asuransi syariah di Indonesia [Development and potential of Islamic insurance in Indonesia]. Pancawahana : Jurnal Studi Islam, 17(1), 164–177. http://ejournal.kopertais4.or.id/tapalkuda/index.php/pwahana/article/view/4755
Aprilia, D., Yusrizal, Y., & Syarvina, W. (2023). Analisis tingkat literasi keuangan agen asuransi syariah di PT. Bumiputera 1912 Medan [Analysis of the financial literacy level of sharia insurance agents at PT. Bumiputera 1912 Medan]. Jurnal Manajemen Akuntansi (JUMSI), 3(2), 807–820. https://doi.org/10.36987/jumsi.v3i2.4026
Batubara, M. A. (2019). Literasi asuransi syariah pada guru Umuul Quraa [Sharia insurance literacy among Ummul Quro teachers] [Undergraduate thesis, Universitas Islam Negeri Sumatera Utara]. http://repository.uinsu.ac.id/10277/
Braun, V., & Clarke, V. (2021). To saturate or not to saturate? Questioning data saturation as a useful concept for thematic analysis and sample-size rationales. Qualitative Research in Sport, Exercise and Health, 13(2), 201–216. https://doi.org/10.1080/2159676X.2019.1704846
Brown, J. R., & Goolsbee, A. (2002). Does the internet make markets more competitive? Evidence from the life insurance industry. Journal of Political Economy, 110(3), 481–507. https://doi.org/10.1086/339714
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
Fajar, A., Sobar, N., & Usman, H. (2018). Impact of marketing communication mix towards image, brand awareness, and costumers decision to choose Islamic insurance. Journal of Islamic Economics Lariba, 4(2), 109–122. https://doi.org/10.20885/jielariba.vol4.iss2.art5
Gaudecker, H.-M. V. (2015). How does household portfolio diversification vary with financial literacy and financial advice? The Journal of Finance, 70(2), 489–507. https://doi.org/10.1111/jofi.12231
Ghoni, A., & Arianty, E. (2021). The impact of spin-off policy on the efficiency of sharia insurance in Indonesia using DEA approach. Journal of Islamic Economics Lariba, 7(1), 47–66. https://doi.org/10.20885/jielariba.vol7.iss1.art5
Health Workforce UHL. (2019). Delivered by women, led by men: A gender and equity analysis of the global health and social workforce [Human Resources for Health Observer Series No. 24]. World Health Organization. https://www.who.int/publications-detail-redirect/9789241515467
Hennink, M. M., Kaiser, B. N., & Weber, M. B. (2019). What influences saturation? Estimating sample sizes in focus group research. Qualitative Health Research, 29(10), 1483–1496. https://doi.org/10.1177/1049732318821692
Hidayati, A. A., & Shofawati, A. (2018). Determinan kinerja keuangan asuransi syariah di Indonesia periode 2014-2016 [Determinants of Islamic insurance financial performance in Indonesia for the 2014-2016 period]. Jurnal Ekonomi Syariah Teori Dan Terapan, 5(11), 892–907. https://doi.org/10.20473/vol5iss201811pp892-907
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and measuring financial literacy (SSRN Scholarly Paper 1498674). https://doi.org/10.2139/ssrn.1498674
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
IBM Corp. (2020). IBM SPSS Statistics for Windows (Version 27.0) [Computer software]. IBM Corp.
Indra, F. S., Luthia, S. S., Rachmawati, A., Santoso, A. D., & Sup, D. F. A. (2022). The application of al-wakalah bil ujrah contract on unit link insurance according to DSN-MUI Fatwa no. 52 2006: A case study of PRULink Syariah Generasi Baru. Journal of Islamic Economics Lariba, 8(1), 242–254. https://doi.org/10.20885/jielariba.vol8.iss1.art15
Iqbal, M., & Berlian, Z. (2017). Pengelolaan dana tabarru’ asuransi jiwa syariah dalam pembiayaan murabahah di Bank Sumsel Babel Cabang Syariah Baturaja [Management of sharia life insurance tabarru’ funds in murabahah financing at Bank Sumsel Babel Syariah Branch, Baturaja]. Medina-Te : Jurnal Studi Islam, 13(1), 25–38. https://doi.org/10.19109/medinate.v13i1.1540
Jannah, D. M., & Nugroho, L. (2019). Strategi meningkatkan eksistensi asuransi syariah di Indonesia [Strategy to increase the existence of Islamic insurance in Indonesia]. Jurnal Maneksi (Management Ekonomi Dan Akuntansi), 8(1), 169–176. https://doi.org/10.31959/jm.v8i1.235
Kojo Oseifuah, E. (2010). Financial literacy and youth entrepreneurship in South Africa. African Journal of Economic and Management Studies, 1(2), 164–182. https://doi.org/10.1108/20400701011073473
Lin, X., Bruhn, A., & William, J. (2019). Extending financial literacy to insurance literacy: A survey approach. Accounting & Finance, 59(S1), 685–713. https://doi.org/10.1111/acfi.12353
Lubis, A., Nurlinda, N., & Ginting, H. (2019, November 5). Analisis tingkat literasi keuangan pada nasabah PT Bank Tabungan Negara (Persero) Tbk Kantor Cabang Medan [Analysis of the level of financial literacy among PT Bank Tabungan Negara (Persero) Tbk Medan Branch Office customers]. https://www.researchgate.net/publication/343047288_ANALISIS_TINGKAT_LITERASI_KEUANGAN_PADA_NASABAH_PT_BANK_TABUNGAN_NEGARA_PERSERO_TBK_KANTOR_CABANG_MEDAN
Lusardi, A., Michaud, P.-C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431–477. https://doi.org/10.1086/690950
Mohajan, H. K. (2020). Quantitative research: A successful investigation in natural and social sciences. Journal of Economic Development, Environment and People, 9(4), 50–79. https://www.ceeol.com/search/article-detail?id=939590
Mutmainah, M., Sukmadilaga, C., & Nugroho, L. (2022). Development of Islamic insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The progress perspective. Sosyoekonomi, 30(52), 243–255. https://doi.org/10.17233/sosyoekonomi.2022.02.13
Nurjanah, R. (2022, March 4). Tenaga medis perempuan di tengah stereotip gender [Female medical personnel amidst gender stereotypes] [HTML]. Hello Sehat. https://hellosehat.com/wanita/peran-tenaga-medis-perempuan/
Nurlatifah, A. F., & Mardian, S. (2016). Kinerja keuangan perusahaan asuransi syariah di Indonesia: Surplus on contribution [Financial performance of Islamic insurance companies in Indonesia: Surplus on contribution]. Akuntabilitas, 9(1), 73–96. https://doi.org/10.15408/akt.v9i1.3590
Otoritas Jasa Keuangan. (2023). Roadmap perasuransian Indonesia 2023-2027 [Indonesian insurance roadmap 2023-2027]. Otoritas Jasa Keuangan. https://ojk.go.id/id/regulasi/otoritas-jasa-keuangan/rancangan-regulasi/Documents/Draft%20Roadmap%20Pengembangan%20Perasuransian%20Indonesia.pdf
Otoritas Jasa Keuangan. (2022a, November 24). Booklet Survei Nasional Literasi dan Inklusi Keuangan tahun 2022 [2022 National Survey of Financial Literacy and Inclusion Booklet] [HTML]. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Booklet-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Otoritas Jasa Keuangan. (2022b, November 24). Infografis hasil Survei Nasional Literasi dan Inklusi Keuangan tahun 2022 [Infographics of the results of the 2022 National Survey of Financial Literacy and Inclusion] [HTML]. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Pemerintah Pusat Republik Indonesia. (2014, Oktober). Undang-undang (UU) No. 36 Tahun 2014 tentang Tenaga Kesehatan [Law No. 36 of 2014 concerning Health Workers]. https://peraturan.bpk.go.id/Details/38770
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376. https://doi.org/10.1108/MRR-06-2014-0143
Pramudya, R. M., & Rahmi, M. (2022). Pengaruh literasi asuransi, religiusitas, dan kualitas pelayanan terhadap minat generasi milenial menggunakan asuransi syariah [The influence of insurance literacy, religiosity, and service quality on the millennial generation’s interest in using Islamic insurance]. Journal of Islamic Economics and Finance Studies, 3(1), 70–87. https://doi.org/10.47700/jiefes.v3i1.4350
Redhika, R., & Mahalli, K. (2014). Analisis potensi dan kendala pengembangan asuransi syariah di Kota Medan [Analysis of the potential and obstacles to the development of Islamic insurance in Medan City]. Jurnal Ekonomi dan Keuangan, 2(5), 323–335. https://jurnal.usu.ac.id/index.php/edk/article/view/11693
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Robaka, N. N. U., & Yowi, L. R. K. (2021). Tingkat literasi keuangan masyarakat (Studi pada ibu rumah tangga di Kecamatan Kota Waingapu) [Community financial literacy level (Study of housewives in Waingapu City District)]. Transformatif: Jurnal Ekonomi, Bisnis Dan Kewirausahaan, 10(1), 125–150. https://doi.org/10.58300/transformatif.v10i1.167
Sadewo, N. T. (2018). Pengaruh literasi asuransi syariah terhadap minat nasabah (Studi pada PT. Asuransi Jiwa Ayariah Al-Amin Kantor Cabang Lampung) [The influence of sharia insurance literacy on customer interest (Study at PT. Asuransi Jiwa Ayariah Al-Amin Lampung Branch Office)] [Undergraduate thesis, UIN Raden Intan Lampung]. http://repository.radenintan.ac.id/4748/
Sileyew, K. J., Abu-Taieh, E., El Mouatasim, A., & Al Hadid, I. H. (2019). Research design and methodology. In Cyberspace. IntechOpen. https://doi.org/10.5772/intechopen.85731
Sinambela, K. A., Nurhayati, & Mandai, S. (2023). Seberapa jauh literasi nasabah terkait asuransi syariah dan juga minatnya terhadap asuransi syariah [How far is the customer’s literacy regarding sharia insurance and also their interest in Islamic insurance?]. Jurnal Ekonomi Trisakti, 3(1), 821–830. https://doi.org/10.25105/jet.v3i1.15413
Siregar, R. Y., Melati, R., Serpina, N., & Primurdia, E. G. (2022, November 22). Landscape asuransi syariah: Global dan domestik [Islamic insurance landscape: Global and domestic] [HTML]. IFG Progress. https://ifgprogress.id/pos-jurnal/landscape-asuransi-syariah-global-dan-domestik/
Susmita, D. A., & Aslami, N. (2021). Potensi teknologi dan media sosial dalam meningkatkan pemasaran produk asuransi syariah [The potential of technology and social media in increasing the marketing of sharia insurance products]. VISA: Journal of Vision and Ideas, 1(3), 274–287. https://doi.org/10.47467/visa.v1i3.809
Syahputra, H. (2020). Tingkat literasi asuransi syariah dalam konteks mahasiswa Asuransi Syariah (Studi kasus Fakultas Ekonomi dan Bisnis Islam UIN SU) [Sharia insurance literacy level in the context of Sharia Insurance students (Case study of the Faculty of Islamic Economics and Business of UIN SU)] [Undergraduate thesis, Universitas Islam Negeri Sumatera Utara]. http://repository.uinsu.ac.id/9627/
Syarifudin, S., Nurlailah, N., & Yudha, A. T. R. C. (2020). The allocation of tabarru’ fund underwriting surplus of Iplan Sharia product in PT. Asuransi Jiwa Generali Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(9), 1804–1817. https://doi.org/10.20473/vol7iss20209pp1804-1817
Trixie, A. S. (2017, October 16). Seberapa jauhkah peran demografi terhadap literasi asuransi syariah? [How far does demographics play a role in Islamic insurance literacy?] [HTML]. Sharia Economic Forum Universitas Gadjah Mada. https://sef.feb.ugm.ac.id/seberapa-jauhkah-peran-demografi-terhadap-literasi-asuransi-syariah/
Wahono, C., & Leng, P. (2022). Pengaruh literasi keuangan dan risk attitude terhadap kepemilikan asuransi jiwa [The influence of financial literacy and risk attitude on life insurance ownership]. Jurnal Administrasi Bisnis, 18(1), 17–35. https://doi.org/10.26593/jab.v18i1.5471.17-35
Wahyudi, N., Hariyani, D. S., & Ubaidillah, Moh. (2020). Kinerja keuangan asuransi syariah di Indonesia [Financial performance of Islamic insurance in Indonesia]. Jurnal Ekonomi Dan Bisnis, 5(2), 73–84. https://jurnal.untag-sby.ac.id/index.php/JEB17/article/view/5672/
Wibowo, D. R. (2020). Literasi keuangan, persepsi dan kepercayaan terhadap loyalitas berasuransi [Financial literacy, perception and trust towards insurance loyalty]. BALANCE: Economic, Business, Management and Accounting Journal, 17(2), 1–11. https://doi.org/10.30651/blc.v17i2.3986
Willis, L. E. (2011). The financial education fallacy. American Economic Review, 101(3), 429–434. https://doi.org/10.1257/aer.101.3.429
Yudhanegara, D., & Villanueva, J. M. (2021). Literasi asuransi pada masa pandemi Covid-19 [Insurance literacy during the Covid-19 pandemic]. Abdimas Siliwangi, 4(2), 385–391. https://doi.org/10.22460/as.v4i2p%p.6854
Yusrizal, Y., & Lubis, F. A. (2020). Potensi asuransi syariah di Sumatera Utara [Potential of Islamic insurance in North Sumatra]. Human Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 7(2), 287–314. https://doi.org/10.30829/hf.v7i2.8851
References
Abdullah, Z. (2018). An analysis of factors affecting the investment growth of Indonesian Islamic insurance. Journal of Islamic Economics Lariba, 4(2), 71–81. https://doi.org/10.20885/jielariba.vol4.iss2.art2
Adiandari, A. M., Winata, H., & Yuliani. (2017, November). Literasi keuangan dan kepemilikan asuransi jiwa: Observasi di institusi keuangan Sumatera Barat [Financial literacy and life insurance ownership: Observations in financial institutions in West Sumatra]. Forum Manajemen Indonesia (FMI 9). http://repo.unr.ac.id/533/
Alsakinah, R., Fasa, M. I., & Suharto. (2022). Perkembangan asuransi syariah Indonesia pada masa pandemi Covid-19 [Development of Indonesian sharia insurance during the Covid-19 pandemic]. Jurnal Dinamika Ekonomi Syariah, 9(2), 111–121. https://doi.org/10.53429/jdes.v9i2.390
Amran, Y. (2017). Peningkatan peran wanita dalam pengembangan ilmu kesehatan masyarakat [Increasing the role of women in the development of public health science]. Jurnal Harkat : Media Komunikasi Gender, 13(1), 61–69. https://journal.uinjkt.ac.id/index.php/psga/article/view/7716
Andini, A. P., & Maghfiroh, S. (2022). Perkembangan dan potensi asuransi syariah di Indonesia [Development and potential of Islamic insurance in Indonesia]. Pancawahana : Jurnal Studi Islam, 17(1), 164–177. http://ejournal.kopertais4.or.id/tapalkuda/index.php/pwahana/article/view/4755
Aprilia, D., Yusrizal, Y., & Syarvina, W. (2023). Analisis tingkat literasi keuangan agen asuransi syariah di PT. Bumiputera 1912 Medan [Analysis of the financial literacy level of sharia insurance agents at PT. Bumiputera 1912 Medan]. Jurnal Manajemen Akuntansi (JUMSI), 3(2), 807–820. https://doi.org/10.36987/jumsi.v3i2.4026
Batubara, M. A. (2019). Literasi asuransi syariah pada guru Umuul Quraa [Sharia insurance literacy among Ummul Quro teachers] [Undergraduate thesis, Universitas Islam Negeri Sumatera Utara]. http://repository.uinsu.ac.id/10277/
Braun, V., & Clarke, V. (2021). To saturate or not to saturate? Questioning data saturation as a useful concept for thematic analysis and sample-size rationales. Qualitative Research in Sport, Exercise and Health, 13(2), 201–216. https://doi.org/10.1080/2159676X.2019.1704846
Brown, J. R., & Goolsbee, A. (2002). Does the internet make markets more competitive? Evidence from the life insurance industry. Journal of Political Economy, 110(3), 481–507. https://doi.org/10.1086/339714
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
Fajar, A., Sobar, N., & Usman, H. (2018). Impact of marketing communication mix towards image, brand awareness, and costumers decision to choose Islamic insurance. Journal of Islamic Economics Lariba, 4(2), 109–122. https://doi.org/10.20885/jielariba.vol4.iss2.art5
Gaudecker, H.-M. V. (2015). How does household portfolio diversification vary with financial literacy and financial advice? The Journal of Finance, 70(2), 489–507. https://doi.org/10.1111/jofi.12231
Ghoni, A., & Arianty, E. (2021). The impact of spin-off policy on the efficiency of sharia insurance in Indonesia using DEA approach. Journal of Islamic Economics Lariba, 7(1), 47–66. https://doi.org/10.20885/jielariba.vol7.iss1.art5
Health Workforce UHL. (2019). Delivered by women, led by men: A gender and equity analysis of the global health and social workforce [Human Resources for Health Observer Series No. 24]. World Health Organization. https://www.who.int/publications-detail-redirect/9789241515467
Hennink, M. M., Kaiser, B. N., & Weber, M. B. (2019). What influences saturation? Estimating sample sizes in focus group research. Qualitative Health Research, 29(10), 1483–1496. https://doi.org/10.1177/1049732318821692
Hidayati, A. A., & Shofawati, A. (2018). Determinan kinerja keuangan asuransi syariah di Indonesia periode 2014-2016 [Determinants of Islamic insurance financial performance in Indonesia for the 2014-2016 period]. Jurnal Ekonomi Syariah Teori Dan Terapan, 5(11), 892–907. https://doi.org/10.20473/vol5iss201811pp892-907
Hung, A., Parker, A. M., & Yoong, J. (2009). Defining and measuring financial literacy (SSRN Scholarly Paper 1498674). https://doi.org/10.2139/ssrn.1498674
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
IBM Corp. (2020). IBM SPSS Statistics for Windows (Version 27.0) [Computer software]. IBM Corp.
Indra, F. S., Luthia, S. S., Rachmawati, A., Santoso, A. D., & Sup, D. F. A. (2022). The application of al-wakalah bil ujrah contract on unit link insurance according to DSN-MUI Fatwa no. 52 2006: A case study of PRULink Syariah Generasi Baru. Journal of Islamic Economics Lariba, 8(1), 242–254. https://doi.org/10.20885/jielariba.vol8.iss1.art15
Iqbal, M., & Berlian, Z. (2017). Pengelolaan dana tabarru’ asuransi jiwa syariah dalam pembiayaan murabahah di Bank Sumsel Babel Cabang Syariah Baturaja [Management of sharia life insurance tabarru’ funds in murabahah financing at Bank Sumsel Babel Syariah Branch, Baturaja]. Medina-Te : Jurnal Studi Islam, 13(1), 25–38. https://doi.org/10.19109/medinate.v13i1.1540
Jannah, D. M., & Nugroho, L. (2019). Strategi meningkatkan eksistensi asuransi syariah di Indonesia [Strategy to increase the existence of Islamic insurance in Indonesia]. Jurnal Maneksi (Management Ekonomi Dan Akuntansi), 8(1), 169–176. https://doi.org/10.31959/jm.v8i1.235
Kojo Oseifuah, E. (2010). Financial literacy and youth entrepreneurship in South Africa. African Journal of Economic and Management Studies, 1(2), 164–182. https://doi.org/10.1108/20400701011073473
Lin, X., Bruhn, A., & William, J. (2019). Extending financial literacy to insurance literacy: A survey approach. Accounting & Finance, 59(S1), 685–713. https://doi.org/10.1111/acfi.12353
Lubis, A., Nurlinda, N., & Ginting, H. (2019, November 5). Analisis tingkat literasi keuangan pada nasabah PT Bank Tabungan Negara (Persero) Tbk Kantor Cabang Medan [Analysis of the level of financial literacy among PT Bank Tabungan Negara (Persero) Tbk Medan Branch Office customers]. https://www.researchgate.net/publication/343047288_ANALISIS_TINGKAT_LITERASI_KEUANGAN_PADA_NASABAH_PT_BANK_TABUNGAN_NEGARA_PERSERO_TBK_KANTOR_CABANG_MEDAN
Lusardi, A., Michaud, P.-C., & Mitchell, O. S. (2017). Optimal financial knowledge and wealth inequality. Journal of Political Economy, 125(2), 431–477. https://doi.org/10.1086/690950
Mohajan, H. K. (2020). Quantitative research: A successful investigation in natural and social sciences. Journal of Economic Development, Environment and People, 9(4), 50–79. https://www.ceeol.com/search/article-detail?id=939590
Mutmainah, M., Sukmadilaga, C., & Nugroho, L. (2022). Development of Islamic insurance in Southeast Asia (Malaysia, Brunei Darussalam, and Indonesia): The progress perspective. Sosyoekonomi, 30(52), 243–255. https://doi.org/10.17233/sosyoekonomi.2022.02.13
Nurjanah, R. (2022, March 4). Tenaga medis perempuan di tengah stereotip gender [Female medical personnel amidst gender stereotypes] [HTML]. Hello Sehat. https://hellosehat.com/wanita/peran-tenaga-medis-perempuan/
Nurlatifah, A. F., & Mardian, S. (2016). Kinerja keuangan perusahaan asuransi syariah di Indonesia: Surplus on contribution [Financial performance of Islamic insurance companies in Indonesia: Surplus on contribution]. Akuntabilitas, 9(1), 73–96. https://doi.org/10.15408/akt.v9i1.3590
Otoritas Jasa Keuangan. (2023). Roadmap perasuransian Indonesia 2023-2027 [Indonesian insurance roadmap 2023-2027]. Otoritas Jasa Keuangan. https://ojk.go.id/id/regulasi/otoritas-jasa-keuangan/rancangan-regulasi/Documents/Draft%20Roadmap%20Pengembangan%20Perasuransian%20Indonesia.pdf
Otoritas Jasa Keuangan. (2022a, November 24). Booklet Survei Nasional Literasi dan Inklusi Keuangan tahun 2022 [2022 National Survey of Financial Literacy and Inclusion Booklet] [HTML]. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Booklet-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Otoritas Jasa Keuangan. (2022b, November 24). Infografis hasil Survei Nasional Literasi dan Inklusi Keuangan tahun 2022 [Infographics of the results of the 2022 National Survey of Financial Literacy and Inclusion] [HTML]. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Infografis-Survei-Nasional-Literasi-dan-Inklusi-Keuangan-Tahun-2022.aspx
Pemerintah Pusat Republik Indonesia. (2014, Oktober). Undang-undang (UU) No. 36 Tahun 2014 tentang Tenaga Kesehatan [Law No. 36 of 2014 concerning Health Workers]. https://peraturan.bpk.go.id/Details/38770
Potrich, A. C. G., Vieira, K. M., & Mendes-Da-Silva, W. (2016). Development of a financial literacy model for university students. Management Research Review, 39(3), 356–376. https://doi.org/10.1108/MRR-06-2014-0143
Pramudya, R. M., & Rahmi, M. (2022). Pengaruh literasi asuransi, religiusitas, dan kualitas pelayanan terhadap minat generasi milenial menggunakan asuransi syariah [The influence of insurance literacy, religiosity, and service quality on the millennial generation’s interest in using Islamic insurance]. Journal of Islamic Economics and Finance Studies, 3(1), 70–87. https://doi.org/10.47700/jiefes.v3i1.4350
Redhika, R., & Mahalli, K. (2014). Analisis potensi dan kendala pengembangan asuransi syariah di Kota Medan [Analysis of the potential and obstacles to the development of Islamic insurance in Medan City]. Jurnal Ekonomi dan Keuangan, 2(5), 323–335. https://jurnal.usu.ac.id/index.php/edk/article/view/11693
Remund, D. L. (2010). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Robaka, N. N. U., & Yowi, L. R. K. (2021). Tingkat literasi keuangan masyarakat (Studi pada ibu rumah tangga di Kecamatan Kota Waingapu) [Community financial literacy level (Study of housewives in Waingapu City District)]. Transformatif: Jurnal Ekonomi, Bisnis Dan Kewirausahaan, 10(1), 125–150. https://doi.org/10.58300/transformatif.v10i1.167
Sadewo, N. T. (2018). Pengaruh literasi asuransi syariah terhadap minat nasabah (Studi pada PT. Asuransi Jiwa Ayariah Al-Amin Kantor Cabang Lampung) [The influence of sharia insurance literacy on customer interest (Study at PT. Asuransi Jiwa Ayariah Al-Amin Lampung Branch Office)] [Undergraduate thesis, UIN Raden Intan Lampung]. http://repository.radenintan.ac.id/4748/
Sileyew, K. J., Abu-Taieh, E., El Mouatasim, A., & Al Hadid, I. H. (2019). Research design and methodology. In Cyberspace. IntechOpen. https://doi.org/10.5772/intechopen.85731
Sinambela, K. A., Nurhayati, & Mandai, S. (2023). Seberapa jauh literasi nasabah terkait asuransi syariah dan juga minatnya terhadap asuransi syariah [How far is the customer’s literacy regarding sharia insurance and also their interest in Islamic insurance?]. Jurnal Ekonomi Trisakti, 3(1), 821–830. https://doi.org/10.25105/jet.v3i1.15413
Siregar, R. Y., Melati, R., Serpina, N., & Primurdia, E. G. (2022, November 22). Landscape asuransi syariah: Global dan domestik [Islamic insurance landscape: Global and domestic] [HTML]. IFG Progress. https://ifgprogress.id/pos-jurnal/landscape-asuransi-syariah-global-dan-domestik/
Susmita, D. A., & Aslami, N. (2021). Potensi teknologi dan media sosial dalam meningkatkan pemasaran produk asuransi syariah [The potential of technology and social media in increasing the marketing of sharia insurance products]. VISA: Journal of Vision and Ideas, 1(3), 274–287. https://doi.org/10.47467/visa.v1i3.809
Syahputra, H. (2020). Tingkat literasi asuransi syariah dalam konteks mahasiswa Asuransi Syariah (Studi kasus Fakultas Ekonomi dan Bisnis Islam UIN SU) [Sharia insurance literacy level in the context of Sharia Insurance students (Case study of the Faculty of Islamic Economics and Business of UIN SU)] [Undergraduate thesis, Universitas Islam Negeri Sumatera Utara]. http://repository.uinsu.ac.id/9627/
Syarifudin, S., Nurlailah, N., & Yudha, A. T. R. C. (2020). The allocation of tabarru’ fund underwriting surplus of Iplan Sharia product in PT. Asuransi Jiwa Generali Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(9), 1804–1817. https://doi.org/10.20473/vol7iss20209pp1804-1817
Trixie, A. S. (2017, October 16). Seberapa jauhkah peran demografi terhadap literasi asuransi syariah? [How far does demographics play a role in Islamic insurance literacy?] [HTML]. Sharia Economic Forum Universitas Gadjah Mada. https://sef.feb.ugm.ac.id/seberapa-jauhkah-peran-demografi-terhadap-literasi-asuransi-syariah/
Wahono, C., & Leng, P. (2022). Pengaruh literasi keuangan dan risk attitude terhadap kepemilikan asuransi jiwa [The influence of financial literacy and risk attitude on life insurance ownership]. Jurnal Administrasi Bisnis, 18(1), 17–35. https://doi.org/10.26593/jab.v18i1.5471.17-35
Wahyudi, N., Hariyani, D. S., & Ubaidillah, Moh. (2020). Kinerja keuangan asuransi syariah di Indonesia [Financial performance of Islamic insurance in Indonesia]. Jurnal Ekonomi Dan Bisnis, 5(2), 73–84. https://jurnal.untag-sby.ac.id/index.php/JEB17/article/view/5672/
Wibowo, D. R. (2020). Literasi keuangan, persepsi dan kepercayaan terhadap loyalitas berasuransi [Financial literacy, perception and trust towards insurance loyalty]. BALANCE: Economic, Business, Management and Accounting Journal, 17(2), 1–11. https://doi.org/10.30651/blc.v17i2.3986
Willis, L. E. (2011). The financial education fallacy. American Economic Review, 101(3), 429–434. https://doi.org/10.1257/aer.101.3.429
Yudhanegara, D., & Villanueva, J. M. (2021). Literasi asuransi pada masa pandemi Covid-19 [Insurance literacy during the Covid-19 pandemic]. Abdimas Siliwangi, 4(2), 385–391. https://doi.org/10.22460/as.v4i2p%p.6854
Yusrizal, Y., & Lubis, F. A. (2020). Potensi asuransi syariah di Sumatera Utara [Potential of Islamic insurance in North Sumatra]. Human Falah: Jurnal Studi Ekonomi Dan Bisnis Islam, 7(2), 287–314. https://doi.org/10.30829/hf.v7i2.8851