Article Per Year (5 Year)
p-Index From 2021 - 2026
6.248
P-Index
This Author published in this journals
All Journal Jurnal Kajian Dan Penalaran Ilmu Manajemen Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Argopuro: Jurnal Multidisiplin Ilmu Bahasa Aspirasi : Publikasi Hasil Pengabdian dan Kegiatan Masyarakat Cendikia Pendidikan Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Pedagogic Research - Applied Literacy Journal International Journal of Educational Research Jurnal Manajemen Bisnis Digital Terkini Argopuro : Jurnal Multidisiplin Ilmu Bahasa Jurnal Pendidikan dan Kebudayaan Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Syarifudin Yunus
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

Published : 52 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 52 Documents
Search

 2   3   4   5   6 
Analisis Kesiapan Pensiun Pekerja Biasa di Jabodetabek dan Tantangan Industri Dana Pensiun di Indonesia Syarifudin Yunus
Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital Vol. 2 No. 2 (2025): Mei : Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital
Publisher : Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jimakebidi.v2i3.776

Abstract

This study aims to map the level of retirement readiness among ordinary workers in Greater Jakarta and the challenges facing the pension fund industry in Indonesia using a mixed quantitative and qualitative method involving 100 workers. The study concludes that the retirement readiness of ordinary workers in Jabodetabek is relatively low, with 55% of workers unsure whether they can cover their living expenses in old age due to their current income being considered insufficient and a lack of understanding of the living expenses required during retirement. Awareness of retirement is reflected in 97% of workers willing to set aside part of their salary for retirement due to fear of poverty in old age, with 59% of workers able to set aside contributions ranging from IDR 100,000 to IDR 500,000 per month for pension funds. Only 18% of workers have a clear preference to fully enjoy their retirement, while 47% of workers want to start a small business, and 24% of workers are unsure about what their retirement will look like. The majority, or 41% of workers, have financial products in the form of savings accounts at banks, and 39% have other financial products, while only 8% have retirement funds. Only 18% of workers have a clear preference for enjoying their retirement, while 47% want to start a small business and 24% are unsure about what their retirement will look like. The majority, or 41%, of workers have financial products in the form of savings accounts at banks, and 39% have other financial products, while only 8% have pension funds. The challenges facing the pension fund industry in Indonesia are centered on 1) low participation rates, 2) financial literacy and awareness, 3) investment performance, 4) digital access, 5) inconsistencies in the pension system, and 6) demographic and longevity risks. The pension fund industry is required to develop flexible and affordable products. Massive education, digital access availability, and inclusive policies are key to preparing workers for retirement and preventing poverty in old age. This study recommends synergy between the government, industry players, and educational institutions to improve retirement literacy and participation. Increased incentives for participants and integration of the national pension system are also needed to create a more prosperous and sustainable retirement.
Determinasi Rendahnya Literasi Dana Pensiun pada Pekerja: Peran Edukasi dan Digitalisasi dalam Industri Dana Pensiun di Indonesia Syarifudin Yunus; Farid Nabil Elsyarif
Jurnal Manajemen Bisnis Digital Terkini Vol. 3 No. 2 (2026): April: Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumbidter.v3i2.1308

Abstract

This study uses a quantitative method with an explanatory approach to explore factors contributing to low pension literacy among workers. The sample consisted of 66 workers from both the formal and informal sectors in Jakarta in December 2025. The findings reveal that low pension literacy is not solely due to a lack of knowledge but results from various factors, including low awareness, short-term financial behavior, product complexity, inadequate education, and underutilization of digital tools. There is a mismatch between workers' perceptions and the reality of pension fund behavior. The majority of workers (86%) are unprepared for retirement, and 89% do not have a voluntary pension fund. Despite this, 80% do not rely on workplace pension funds, and 45.5% feel confident they can meet their living expenses in old age, indicating pseudo-awareness they understand the importance of pension funds but have not established one. This reveals a gap between awareness and action regarding pension funds. Improving pension literacy requires an integrated approach that combines transformative education with digitalization to facilitate access and participation. Education must drive behavioral change, while digitalization simplifies processes, enhances accessibility, and broadens financial literacy. The synergy of education, digital technology, and policy support is essential for improving workers' financial readiness for a secure retirement.
Co-Authors Abdul Malik Karim Adelani Valentina Purnomo Ahmad Mudjiharto Aida Fitriyah Annisa Shafira Herianto Aulia Humaya Putri Carlan Lenta Seniawan Hulu Ceacillia Kusmini Christin Juwita Devi Julianti Dewy Oktafiyani Didik Notosudjono Dinda Rahmawati Dwi Michael Frandana Faisal Bakhri Farid Nabil Elsyarif Farisha Puteri Nandita Fawwaz Dinul Haq Friska Derani Huwaina Rohmah Dewi Imroatus Samawati Ipit Iit Vitri ismarita ramayanti Kania Dwi Yolanda Wijayanto Kristina Rovina R Lakhsmi Damayanti Larasati Widya Kartikasari Margareth Aruan Martinus Tukiran Mawar Safitri Mia Ismiati Muhammad Paiz Andriansyah Muthma Innah Nazwa Aurelia Nur Aulia Dewi Nur Rahmatika Patonah Wahyu Ningrum Retno Widowati Saputri Rofiatul Hasanah Shela Shapa Nabila Sholahuddin Fadhil Siti Amita Sonjaya Tirsa Jean Tetelepta Utami Ningsih Yenni Karenita