The purpose of this study is to examine the perception and acceptability of insurance policyholders to introduce takāful in India. The primary focus of this research is insurance policyholders because they currently have insurance policies and it is believed that they are familiar with the concept of insurance, compared to the people who do not have any insurance policy.,New product diffusion theory is used in developing the hypothesis and a questionnaire. In this research, the population is unknown, and hence, the non-probability sample is used. Quota sampling and snowball sampling methods are used in this survey, with a sample size of 909 respondents, including Muslim and non-Muslim policyholders. The external factors that motivate potential policyholders to participate in takāful are the independent variable here; while the respondents’ actual willingness to participate in takāful is the dependent variable. Regression analysis is performed to analyse the data.,Based on 909 respondents, it is found that the factors such as cost vs benefits, marketing and promotion and social and religion play a significant role in a consumers’ decision-making at 1% significant level overall. The attribute of agents can influence the consumers at a 10% significant level overall. However, other factors, namely, accessibility, availability and service quality, product features and reputation of the company cannot pursue the consumers in India.,The questionnaires are distributed in 10 cities from nine states out of 28 states in India. Thus, it covers only one-third of the states. Future research can expand the respondents from other states that have not been researched.,India is opening to foreign investments in the Indian insurance industry, and thus, the findings are useful for industrial players, investors, policymakers for the development of takāful in India.,Limited research has been done in previous studies and this research is the pinnacle within-depth survey regarding takāful in India.

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消费者参与回教保险的动机因素：印度保险业人士的一项调查

本研究的目的是检验保险保单持有人在印度引入高利贷的认识和接受程度。这项研究的主要重点是保险单持有人，因为他们目前拥有保险单，并且与没有任何保险单的人相比，他们被认为熟悉保险的概念。假设和问卷。在这项研究中，总体是未知的，因此，使用了非概率样本。本次调查使用配额抽样和滚雪球抽样的方法，样本量为909名受访者，其中包括穆斯林和非穆斯林保单持有人。促使潜在的保单持有人参加伊斯兰保险的外部因素是这里的独立变量；而受访者实际参加伊斯兰教的意愿是因变量。进行了回归分析，对数据进行了分析。基于909名被调查者，发现成本与收益，营销和促销以及社会和宗教等因素在消费者决策中起着重要作用，为1％的显着水平。全面的。代理商的属性可以整体上影响消费者10％的显着水平。但是，其他因素（如可访问性，可用性和服务质量，产品功能和公司声誉）无法吸引印度的消费者。印度的28个州中的9个州在10个城市分发了问卷。因此，它仅覆盖三分之一的州。未来的研究可以扩大尚未研究的其他州的受访者。