Loadings (after deletion)
| Variables | Indicators | Loadings | Composite reliability (CR) | Average variance extracted (AVE) | |
|---|---|---|---|---|---|
| Acceptance of CAR takāful (ACT) | 1 | I accept the CAR takāful product because it is a way of my life | 0.923 | 0.954 | 0.748 |
| 2 | I accept the CAR takāful product because it is beneficial | 0.946 | |||
| 3 | I accept the CAR takāful product because it is under my control | 0.818 | |||
| 4 | I accept the CAR takāful product because I am aware about it | 0.959 | |||
| 5 | I accept the CAR takāful product because I understand it | 0.731 | |||
| 6 | I accept the CAR takāful product because it is free from ribā | 0.795 | |||
| 7 | I accept the CAR takāful product because people recommended it to me | 0.856 | |||
| Attitude (ATD) | 1 | I feel that choosing the CAR takāful product is a brilliant idea | 0.942 | 0.980 | 0.858 |
| 2 | I feel that choosing the CAR takāful product is the best idea | 0.943 | |||
| 3 | I love the idea of choosing the CAR takāful product | 0.920 | |||
| 4 | I feel that choosing the CAR takāful product is beneficial | 0.942 | |||
| 5 | I feel that the CAR takāful product is a pleasant idea | 0.939 | |||
| 6 | I feel that the CAR takāful product is an appealing idea | 0.967 | |||
| 7 | I feel that the CAR takāful product achieves the objectives of Sharīʾah | 0.872 | |||
| 8 | I feel that the CAR takāful product is one of the best insurance products | 0.880 | |||
| Subjective norm (SN) | 1 | Those who influence my behaviour expect me to accept the CAR takāful product | 0.879 | 0.962 | 0.785 |
| 2 | Those who are important to me expect me to accept the CAR takāful product | 0.907 | |||
| 3 | Those who are close expect me to accept the CAR takāful product | 0.925 | |||
| 4 | Those who influence my decisions expect me to accept the CAR takāful product | 0.953 | |||
| 5 | I am influenced by my family to choose the CAR takāful product | 0.871 | |||
| 6 | I am influenced by my close friends to choose the CAR takāful product | 0.852 | |||
| 7 | It is expected by others that I should accept the CAR takāful product | 0.808 | |||
| Religiosity (RGS) | 1 | The CAR takāful product is based on the Qurʾān and ḥadīth | 0.900 | 0.982 | 0.872 |
| 2 | The CAR takāful product is compliant with Islamic law | 0.943 | |||
| 3 | The CAR takāful product meets the objectives of Sharīʾah | 0.930 | |||
| 4 | The CAR takāful product is free from ribā | 0.944 | |||
| 5 | The CAR takāful product is free from gambling | 0.923 | |||
| 6 | The CAR takāful product is free from fraud | 0.937 | |||
| 7 | The CAR takāful product is free from any doubt in the way the transaction is performed | 0.952 | |||
| 8 | The CAR takāful product follows the Islamic principles of doing business | 0.941 | |||
| Awareness (AWN) | 1 | I receive enough information about the CAR takāful product | 0.849 | 0.965 | 0.822 |
| 2 | I receive enough information about the benefits of the CAR takāful product | 0.856 | |||
| 3 | I know that the CAR takāful product offered is Sharīʾah-compliant | 0.904 | |||
| 4 | I know that the CAR takāful product is free from ribā | 0.930 | |||
| 5 | I know that the CAR takāful product is according to the needs of customers | 0.953 | |||
| 6 | I know that the CAR takāful product really helps in the promotion of Islamic values to customers and the public | 0.943 |
| Variables | Indicators | Loadings | Composite reliability (CR) | Average variance extracted (AVE) | |
|---|---|---|---|---|---|
| Acceptance of CAR | 1 | I accept the CAR | 0.923 | 0.954 | 0.748 |
| 2 | I accept the CAR | 0.946 | |||
| 3 | I accept the CAR | 0.818 | |||
| 4 | I accept the CAR | 0.959 | |||
| 5 | I accept the CAR | 0.731 | |||
| 6 | I accept the CAR | 0.795 | |||
| 7 | I accept the CAR | 0.856 | |||
| Attitude (ATD) | 1 | I feel that choosing the CAR | 0.942 | 0.980 | 0.858 |
| 2 | I feel that choosing the CAR | 0.943 | |||
| 3 | I love the idea of choosing the CAR | 0.920 | |||
| 4 | I feel that choosing the CAR | 0.942 | |||
| 5 | I feel that the CAR | 0.939 | |||
| 6 | I feel that the CAR | 0.967 | |||
| 7 | I feel that the CAR | 0.872 | |||
| 8 | I feel that the CAR | 0.880 | |||
| Subjective norm (SN) | 1 | Those who influence my behaviour expect me to accept the CAR | 0.879 | 0.962 | 0.785 |
| 2 | Those who are important to me expect me to accept the CAR | 0.907 | |||
| 3 | Those who are close expect me to accept the CAR | 0.925 | |||
| 4 | Those who influence my decisions expect me to accept the CAR | 0.953 | |||
| 5 | I am influenced by my family to choose the CAR | 0.871 | |||
| 6 | I am influenced by my close friends to choose the CAR | 0.852 | |||
| 7 | It is expected by others that I should accept the CAR | 0.808 | |||
| Religiosity (RGS) | 1 | The CAR | 0.900 | 0.982 | 0.872 |
| 2 | The CAR | 0.943 | |||
| 3 | The CAR | 0.930 | |||
| 4 | The CAR | 0.944 | |||
| 5 | The CAR | 0.923 | |||
| 6 | The CAR | 0.937 | |||
| 7 | The CAR | 0.952 | |||
| 8 | The CAR | 0.941 | |||
| Awareness (AWN) | 1 | I receive enough information about the CAR | 0.849 | 0.965 | 0.822 |
| 2 | I receive enough information about the benefits of the CAR | 0.856 | |||
| 3 | I know that the CAR | 0.904 | |||
| 4 | I know that the CAR | 0.930 | |||
| 5 | I know that the CAR | 0.953 | |||
| 6 | I know that the CAR | 0.943 |
Source(s): Authors' own