社区购买宠物保险决策分析:以印尼动物爱好者为例

IF 1.4 Q3 OPERATIONS RESEARCH & MANAGEMENT SCIENCE
S. Sukono, Dwi Susanti, Fadhilla Ridwan, Riaman Riaman, E. Hertini, Jumadil Saputra
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引用次数: 0

摘要

本研究旨在衡量人们购买宠物保险的决策,并将其与提供的保险费率进行比较。这很重要,因为人们收入的增加引发了宠物爱好者社区的诞生,这是印度尼西亚中产阶级生活方式的一部分。调查数据采用陈述偏好(SP)格式,通过问卷调查和访谈来确定公众对宠物保险费的反应。收集到的数据采用描述性方法进行分析,决策分析基于选择二分类条件估值法(CVM),并进行逻辑回归分析。基于logit法的计算分析表明,公众支付宠物保险费的能力为289,454.54印尼盾。使用特恩布尔法进行计算分析,得到idr365,000 0.00。无论使用logit法还是使用Turnbull法,WTP金额的结果都大于提供的最低保费金额IDR190,000.00。本研究结果表明,与印度尼西亚动物爱好者社区的决策规模相比,宠物保险提供的保费率仍在合理范围内。这为印尼有宠物保险产品的保险公司提供了非常好的前景。本研究旨在提供实证证据,证明动物爱好者群体的决策大于已提供的宠物保险保费率。因此,本研究强烈支持宠物保险公司在印度尼西亚的发展,这可以为宠物提供保护,保持健康和良好的照顾。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Analyzing the community decision making to purchase pet insurance: Case study of animal lovers in Indonesia
This study aims to measure people's decision-making to buy their pet insurance and compare it with the amount of insurance premium rates offered. It is important due to the increase in people's income which has triggered the birth of a community of pet lovers as part of the middle-class people’s lifestyle in Indonesia. The survey data was conducted using the Stated Preference (SP) format through questionnaires and interviews to determine the public response to pet insurance premiums. The collected data were analyzed using descriptive methods, decision-making analysis was on the basis of the choice of the dichotomous Contingent Valuation Method (CVM), and logistic regression analysis. Based on the calculation analysis using the logit method shows that the ability of the public to pay pet insurance premiums is IDR289,454.54. Analysis of calculations using the Turnbull method was obtained at IDR365,000.00. The results of the WTP amount, both using the logit method and using the Turnbull method, are greater than the minimum premium amount offered which is IDR190,000.00. The results of this study indicate that the premium rates for pet insurance offered are still within reasonable limits, compared to the size of the decision-making by the animal lover community in Indonesia. This provides a very good prospect for insurance companies that have insurance products for pets in Indonesia. This study was conducted to provide empirical evidence that the decision-making of the animal lover community is greater than the premium rate for pet insurance that has been offered. Thus, this research strongly supports the development of pet insurance companies in Indonesia, which can provide pet protection to stay healthy and well looked after.
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来源期刊
Decision Science Letters
Decision Science Letters Decision Sciences-Decision Sciences (all)
CiteScore
3.40
自引率
5.30%
发文量
49
审稿时长
20 weeks
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