4.

Test of Hypotheses

In testing the hypothesis formulated in chapter one of this study, the data collected was subjected
to a statistical test, Product Pearson Moment correlation method test using SPSS software
(v20.0) to find if there is any statistical relationship between the variables in each of the
hypotheses. At 95% level of confidence, if p-value (sig) is less than the critical value of 0.05 the
null hypothesis will be rejected while the alternative Hypothesis holds otherwise vice versa.
Hypothesis One
HO1: Religion affiliation of customer does not have effects on the patronage of insurance
product
.
Table 4.14 Correlations Matrix for Hypothesis One
Religion Affiliation
Patronage of Insurance
Product
Pearson Correlation
Sig. (2-tailed)
Affiliation
N
Patronage of Pearson Correlation
Sig. (2-tailed)
Insurance
N
Product

Religion

93
.490**
.000
93

.490**
.000
93
1
93

**. Correlation is significant at the 0.01 level (2-tailed).

From Table 4.14, the Pearson correlation coefficient is 0.490 while the p value is 0.000, this
shows that there exist moderate and positive relationship between religion affiliation of customer
and their patronage of insurance product, thus the H 0 that Religion affiliation of customer does
not have effects on the patronage of insurance product was rejected, since p value (0.000) and is
less than 0.05. Thus the alternative hypothesis was accepted and this states that religion
affiliation of customer does have effects on the patronage of insurance product is rejected
53

Hypothesis Two
HO2:

There is no significant effect of income and status of Customers on consumers

consumption of Insurance service
Table 4.15 Correlations Matrix for Hypothesis One
Income and Status
Patronage of Insurance
Product

Pearson Correlation
Sig. (2-tailed)
Status
N
Patronage of Pearson Correlation
Sig. (2-tailed)
Insurance
N
Product

Income and

93
.761**
.000
93

.761**
.000
93
1
93

**. Correlation is significant at the 0.01 level (2-tailed).

From Table 4.15, the Pearson correlation coefficient is 0.761 while the p value is 0.000, this
shows that there exist strong and positive relationship between income and status of customer
and their patronage of insurance product, thus the H0 that there is no significant effect of income
and status of Customers on consumers consumption of Insurance service was rejected, since p
value (0.000) and is less than 0.05. Thus the alternative hypothesis was accepted and this states
that there is significant effect of income and status of Customers on consumption of Insurance
service

Hypothesis Three
HO3:

The level of education on customer will not significantly affect customers

patronage of insurance product.

54

Table 4.16 Correlations Matrix for Hypothesis Three

Level of Education
Patronage of Insurance
Product
Level of
Education
Patronage of
Insurance

Pearson Correlation
Sig. (2-tailed)
N
Pearson Correlation
Sig. (2-tailed)

1
93
.545**
.000

N
Product
**. Correlation is significant at the 0.01 level (2-tailed).

93

.545**
.000
93
1
93

From Table 4.16, the Pearson correlation coefficient is 0.545 while the p value is 0.000, this
shows that there exist strong and positive relationship between level of education of customer
and their patronage of insurance product, thus the H 0 the level of education on customer will not
significantly affect customers patronage of insurance product was rejected, since p value (0.000)
and is less than 0.05. Thus the alternative hypothesis was accepted and this states that the level of
education on customer will significantly affect customers patronage of insurance product

55