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| DC 欄位 | 值 | 語言 |
|---|---|---|
| dc.contributor.advisor | 劉佳玲 | zh_TW |
| dc.contributor.advisor | Chia-Ling Liu | en |
| dc.contributor.author | 何文杰 | zh_TW |
| dc.contributor.author | Timothy Daves Hosea | en |
| dc.date.accessioned | 2023-08-16T16:32:27Z | - |
| dc.date.available | 2023-11-09 | - |
| dc.date.copyright | 2023-08-16 | - |
| dc.date.issued | 2023 | - |
| dc.date.submitted | 2023-08-04 | - |
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| dc.identifier.uri | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/88960 | - |
| dc.description.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。 | zh_TW |
| dc.description.abstract | 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. | en |
| dc.description.provenance | Submitted by admin ntu (admin@lib.ntu.edu.tw) on 2023-08-16T16:32:27Z No. of bitstreams: 0 | en |
| dc.description.provenance | Made available in DSpace on 2023-08-16T16:32:27Z (GMT). No. of bitstreams: 0 | en |
| dc.description.tableofcontents | 摘要 i
Abstract v Table of Contents vi List of Figures ix List of Tables x Chapter 1 Introduction 1 1.1. Research Background and Motivations 1 1.2. Research Objectives 3 1.3. Research Procedures 4 Chapter 2 Literature Review 7 2.1. The Current State of Financial Inclusion in Indonesia 7 2.1.1. Overview of Financial Inclusion Globally and Its Importance 7 2.1.2. Specific Challenges and Status of Financial Inclusion in Indonesia 7 2.1.3. Previous Attempts and Initiatives to Improve Financial Inclusion in Indonesia 8 2.2. Financial Technologies and Their Role in Expanding Financial Services 8 2.2.1. Overview of the Rise of Fintech and How It Has Been Used to Extend Financial Services 8 2.2.2. Internet and Smartphone Penetration in Indonesia and Their Leveraging for Financial Inclusion 9 2.2.3. Overview of digital loan in Indonesia 9 2.3. Early Wage Access (EWA) Models and Their Impacts 11 2.3.1. Overview of Various EWA Models Globally 11 2.3.2. EWA in Indonesia 15 2.3.3. The Role of Fintech in EWA and the Possibilities for Its Use in Accessing Pension Funds 16 2.4. Pension Funds as Collateral 16 2.4.1. Literature about the Use of Pension Funds as Collateral 16 2.4.2. Existing Models or Pilot Programs Globally that Use Pension Funds in This Way 17 2.4.3. Possible Benefits and Drawbacks of this Approach 17 2.5. Indonesia Pension Fund System 17 2.6. Financial Regulation 19 2.6.1. Regulatory Environment for Fintech Companies in Indonesia 19 2.6.2. Regulatory Environment for Pension Funds in Indonesia 19 2.7. Sustainable Development Goals (SDGs) and Financial Inclusion 20 2.7.1. The Link between Financial Inclusion and the SDGs 20 2.7.2. The Role of Innovative Approaches like EWA in Contributing to the SDGs 21 Chapter 3 Methodology & Research Design 22 3.1. Methodology 22 3.1.1. Qualitative Research 22 3.1.2. Research Framework 26 3.1.3. Research Business Model 27 3.2. Research Design 29 3.2.1. Guideline for Interview Targets Selection 29 3.2.2. Data Collection 30 Chapter 4 Interview Targets 31 Chapter 5 Research Findings 36 5.1. Analysis of Financial Technology 36 5.2. Analysis of Business Opportunity 37 5.2.1. Desired Financial Products 37 5.2.2. Workplace Emergency Fund Solutions 39 5.3. Analysis of New Financial Services 40 5.3.1. Borrowers’ Demand: Employees’ Perspective 40 5.3.2. Mediators’ Demand: Organizations’ Perspective 41 5.3.3. Investors’ Demand: Investors’ Perspective 42 5.3.4. Lawmaker’ Demand: Lawyer’s Perspective 43 5.4. Analysis of Market Entry 45 5.4.1. Option 1: Started a New Company - Startup 46 5.4.2. Option 2: Strategic Alliance 46 5.5. Analysis of Performance 47 5.6. The Summary of Research Findings 51 Chapter 6 Conclusion & Recommendations 54 6.1. Conclusions 54 6.2. Suggestions 59 6.3. Limitations 60 6.4. Future Research Recommendations 61 References 63 Appendix 67 | - |
| dc.language.iso | en | - |
| dc.title | 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 | zh_TW |
| dc.title | Unlocking Pension Funds for Early Wage Access: A Pathway to Financial Inclusion in Indonesia | en |
| dc.type | Thesis | - |
| dc.date.schoolyear | 111-2 | - |
| dc.description.degree | 碩士 | - |
| dc.contributor.oralexamcommittee | 林嘉薇;吳政衞 | zh_TW |
| dc.contributor.oralexamcommittee | Chia-Wei Lin;Cheng-Wei Wu | en |
| dc.subject.keyword | 提前取得工資「EWA」,退休基金,印尼,金融科技, | zh_TW |
| dc.subject.keyword | Early Wage Access (EWA),Pension Funds,Indonesia,Financial Technology, | en |
| dc.relation.page | 77 | - |
| dc.identifier.doi | 10.6342/NTU202302940 | - |
| dc.rights.note | 同意授權(限校園內公開) | - |
| dc.date.accepted | 2023-08-10 | - |
| dc.contributor.author-college | 管理學院 | - |
| dc.contributor.author-dept | 商學研究所 | - |
| 顯示於系所單位： | 商學研究所 | |
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