MENGURANGKAN RISIKO HARTA TIDAK DITUNTUT: PERANAN NIAT DAN PERSEPSI PENGGUNA TERHADAP PRODUK WASIAT: REDUCING THE RISK OF UNCLAIMED ESTATES: THE ROLE OF USER INTENTION AND PERCEPTION TOWARD WILL PRODUCTS - Moharam, Mohamad Al-Jauoharie; Yusof, Mohd Faiz Mohamed; Adenan, Faezy (INTERNATIONAL JOURNAL OF EDUCATION, PSYCHOLOGY AND COUNSELLING (IJEPC), 2026)
Masalah harta tidak dituntut di Malaysia semakin membimbangkan akibat kelemahan dalam amalan perancangan harta. Meskipun wasiat merupakan instrumen penting untuk menangani isu ini, kadar penggunaannya masih rendah dalam kalangan masyarakat. Kajian ini bertujuan untuk menyemak secara sistematik literatur berkaitan niat dan persepsi pengguna terhadap produk wasiat, serta mengenal pasti halangan utama yang dihadapi oleh komuniti Muslim. Kajian Literatur Sistematik (SLR) ini dijalankan berpandukan protokol PRISMA. Artikel dikumpul daripada Scopus, Google Scholar, dan Semantic Scholar, meliputi tahun 2000 hingga 2025. Kata kunci dibina berdasarkan kerangka PEO, dan data dianalisis secara tematik dan naratif. Sebanyak 93 artikel dikaji. Dapatan menunjukkan bahawa niat pengguna dipengaruhi oleh sikap, norma sosial, dan kawalan tingkah laku. Persepsi pengguna pula berkait rapat dengan tahap kesedaran, kepercayaan terhadap institusi, dan kefahaman agama. Halangan utama termasuk kurang pengetahuan, kekeliruan hukum, dan keengganan berbincang tentang kematian. Kajian ini menekankan keperluan model tingkah laku dalam perancangan harta Islam. Implikasi praktikal disarankan untuk membantu institusi dan pembuat dasar meningkatkan kesedaran dan pendidikan masyarakat. Unclaimed inheritance remains a growing concern in Malaysia due to poor estate planning practices. Although wills are a key instrument to address this issue, their adoption among the public remains low. This study aims to systematically review the literature on users’ intention and perception toward will products and to identify common barriers faced by Muslim communities. A Systematic Literature Review (SLR) was conducted using the PRISMA protocol. Articles from Scopus, Google Scholar, and Semantic Scholar published between 2000 and 2025 were analysed. Search terms were constructed using the PEO framework, and data were synthesised thematically and narratively. A total of 93 articles were reviewed. Findings revealed that intention is shaped by users’ attitudes, social influence, and perceived behavioural control. Perceptions are influenced by awareness, trust in institutions, and religious understanding. Barriers include low knowledge, legal confusion, and discomfort discussing death. Existing studies often focus on legal aspects, with limited behavioural insights. This review highlights the need for behavioural models in Islamic estate planning. It provides practical implications for financial institutions and policymakers to improve education and awareness. Future research should explore mixed methods and culturally grounded frameworks.