非正式工作者对发展中国家退休计划的看法
Navneel Shalendra Prasad1, Amit Prakash2, Nikeel Nishkar Kumar2,3
1Department of Management, School of Business and Economics, The University of Fiji, Lautoka, Fiji.
PloS one
|April 15, 2025
概括
像斐济市场卖家这样的非正式工人对斐济国家养老基金 (FNPF) 有积极的看法,但希望有量身定制的,自愿的退休规划选择. 政策制定者应该为自雇人士调整FNPF产品,以改善退休储蓄的可访问性.
科学领域:
- 经济学 经济学 经济学
- 发展研究 发展研究 研究
- 金融包容 金融包容 金融包容
背景情况:
- 发展中国家的非正式工人往往无法获得正式的退休计划.
- 像斐济的FNPF这样的养老金基金对于长期储蓄至关重要,但可能不符合非正式部门的需求.
- 在了解非正式工人如何感知和与现有的退休储蓄计划互动方面存在差距.
研究的目的:
- 调查蔬菜市场卖家对斐济国家养老基金 (FNPF) 退休计划的看法.
- 确定非正式工人参与斐济养老金的障碍和促进因素.
- 为自雇人士提供包容性金融产品的发展提供信息.
主要方法:
- 定性研究探讨非正式工人 (蔬菜市场卖家) 的看法.
- 专注于斐济西部地区,这是一个农业占主导地位的地区.
- 分析影响金融服务可访问性的因素,如FNPF.
主要成果:
- 受访者通常对FNPF有积极的看法.
- 人们强烈偏爱定制的退休计划,这些计划与市场供应商的收入和生计保持一致.
- 市场供应商为他们的FNPF账户寻求自愿捐款系统,绕过强制性雇主捐款.
- 人们对 FNPF 的好处的认识很高,但对当前产品的采用意图很低.
- 年龄,性别,供应商持续时间和其他节省因素影响FNPF服务的可访问性.
结论:
- 人们对 FNPF 的看法很好,但目前的产品并不能满足非正式市场供应商的特定需求.
- 定制的自愿捐款计划对于鼓励自雇人士采用FNPF至关重要.
- 政策制定者必须创建适应性FNPF产品,承认自雇和自愿参与的现实,以增强退休储蓄.
相关概念视频
02:57The Sense of Self: Reflected Self-Appraisal and Social Comparison
49.4K
According to Charles Cooley, we base our image on what we think other people see (Cooley 1902). We imagine how we must appear to others, then react to this speculation. We don certain clothes, prepare our hair in a particular manner, wear makeup, use cologne, and the like—all with the notion that our presentation of ourselves is going to affect how others perceive us. We expect a certain reaction, and, if lucky, we get the one we desire and feel good about it. But more than that, Cooley...
49.4K
02:16Surveys
14.7K
Often, psychologists develop surveys as a means of gathering data. Surveys are lists of questions to be answered by research participants, and can be delivered as paper-and-pencil questionnaires, administered electronically, or conducted verbally. Generally, the survey itself can be completed in a short time, and the ease of administering a survey makes it easy to collect data from a large number of people.
14.7K
01:27Erikson's Theory on Socioemotional Development during Adulthood
34
Erik Erikson's theory of psychosocial development outlines a series of stages through which individuals progress across the lifespan. Each stage involves a psychosocial conflict that significantly influences personal growth and well-being. Three key stages — intimacy versus isolation, generativity versus stagnation, and integrity versus despair — highlight the developmental challenges faced in adulthood.
Intimacy Versus Isolation in Early Adulthood
Individuals in early...
Intimacy Versus Isolation in Early Adulthood
Individuals in early...
34
00:51Energy Budgets
9.1K
Organisms must balance energy intake with the energy required for growth, maintenance and reproduction. These trade-offs result in a variety of survivorship and reproductive strategies, including semelparity and iteroparity. Semelparous species, like annual plants, have only one reproductive episode in their lifetimes and consequently have short lifespans. Iteroparous species, by contrast, have many reproductive events during their lifetimes but have relatively few offspring. These two...
9.1K
02:30Naturalistic Observations
15.3K
If you want to understand how behavior occurs, one of the best ways to gain information is to simply observe the behavior in its natural context. However, people might change their behavior in unexpected ways if they know they are being observed. How do researchers obtain accurate information when people tend to hide their natural behavior? As an example, imagine that your professor asks everyone in your class to raise their hand if they always wash their hands after using the restroom. Chances...
15.3K
01:42Schemas
11.5K
A schema is a mental construct consisting of a cluster or collection of related concepts (Bartlett, 1932). There are many different types of schemata, and they all have one thing in common: schemata are a method of organizing information that allows the brain to work more efficiently. When a schema is activated, the brain makes immediate assumptions about the person or object being observed.
11.5K