Abstract
This study investigated the acceptance and purchasing of Takaful life insurance policies among
South African Muslims using the Theory of Reasoned Action (TRA) as the theoretical model.
Data were obtained by administering a survey to 235 Muslims in the Gauteng Province of South
Africa. Statistical analysis of the data was carried out using the Statistical Package for Social
Sciences Research and SmartPls. The results suggest that attitude towards Takaful life insurance
purchases and subjective norms are salient determinants of participants’ behavioural intention
towards Takaful insurance policies. Furthermore, actual behaviour towards this Islamic financial
product is significantly predicted by behavioural intention. The findings of the study contribute
to enhancing our understanding of Takaful life insurance policies acceptance and purchase
among South African Muslims – an area that is sparsely investigated – and validate the TRA in a
South African Muslim sample.