解鎖養老基金以儘早獲得工資：印度尼西亞實現金融包容性

Abstract

這項研究調查了在印尼使用養老金作為抵押來實施 "提前工資取用"「Early Wages Access」(EWA) 的可行性。作為一種新的商業概念，這個想法以前從未被探討過，因此採取了質性研究方法。這種方法涉及與關鍵利益相關者進行深入訪談，包括組織、潛在客戶「員工」、法律專業人士和投資者。目的是探討這種實施的可行性、潛在利益和相關挑戰。我們的研究結果說明，對於擁有更多養老金的老一代人來說，EWA更為適合，而不是年輕一代。一旦確定了目標市場，主要的焦點應該是建立一家新的初創公司，考慮到金融行業的競爭格局。在獲得了大量的市場份額和聲譽後，找到合適的合作夥伴以探索聯合創業和策略聯盟的可能性變得至關重要。該研究還提供了幾項關於篩選客戶、執行此服務的關鍵績效參數以及進一步發展該想法的指導方針。這些建議基於對金融科技、商業機會、市場進入策略以及從各種利益相關者角度的關鍵指標的分析。

This study investigates the feasibility of implementing "Early Wage Access" (EWA) using pension funds as collateral in Indonesia. As a novel business concept, this idea has not been explored before, leading to a qualitative research approach. This approach involved in-depth interviews with key stakeholders, including organizations, potential clients (employees), legal professionals, and investors. The aim was to clarify the viability, potential benefits, and challenges associated with this implementation. Our findings suggest that EWA is more suitable for the older generation compared to the younger generation, as they have more substantial pension funds. Once the target market is identified, the primary focus should be on establishing a startup company, given the competitive landscape of the financial industry. After gaining a sizeable market share and reputation, it becomes critical to find the right partner to explore the possibilities of strategic alliances. The study also provides several recommendations for screening clients, key performance parameters to execute this service effectively, and guidance to further develop the idea. These recommendations are based on the analysis of financial technology, business opportunities, market entry strategies, and key indicators from various stakeholders’ perspectives.