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All Journal Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Manajemen Bisnis Digital Terkini Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Farid Nabil Elsyarif
Unknown Affiliation
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Tantangan Literasi dan Inklusi Dana Pensiun serta Dampaknya terhadap Ekonomi Nasional dan Generasi Tua di Indonesia Syarifudin Yunus; Farid Nabil Elsyarif
Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 3 (2025): JUNI : Maeswara : Jurnal Riset Ilmu Manajemen dan Kewirausahaan
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/maeswara.v3i3.1782

Abstract

A study on the challenges of pension fund literacy and inclusion in Indonesia concluded that the average level of pension fund literacy in the period 2013 - 2025 only reached 18.08%, while the average level of inclusion in that period only reached 4.23%. The level of pension fund literacy and inclusion in Indonesia is low. In SNLIK 2025, the pension fund literacy rate was 27.79%, while the pension fund inclusion rate was 5.37%. Compared to the 2022 pension literacy rate of 30.46% and the 2022 inclusion rate of 5.40%, this means that pension literacy and inclusion rates are declining. It can be said that out of 10 Indonesians, only 2.7 people “understand” pension funds and only 0.5 (half) people “have” pension funds. This means that for every 10 Indonesians, less than 1 person has a pension fund. Low pension literacy and inclusion has a direct impact in the form of 1) an older generation at risk of poverty or financial dependence on children/family, 2) a continuing sandwich generation cycle, 3) stagnant growth of the pension fund industry, 4) low public trust, and 5) the emergence of public skepticism towards pension funds in the future.
Analisis Kepesertaan DPLK Secara Individu dan Karakteristiknya untuk Meningkatkan Penetrasi Dana Pensiun Pekerja Sektor Informal di Indonesia Syarifudin Yunus; Farid Nabil Elsyarif
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 3 (2025): September : Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i3.5333

Abstract

Research on the analysis of individual DPLK membership and its characteristics to increase the penetration of pension funds for workers in the informal sector was conducted using a descriptive qualitative approach with content analysis using questionnaires, interviews, and document studies. The research findings concluded that the individual characteristics of DPLK participants consist of: 1) belonging to the low-income group, 2) the highest contribution paid is Rp. 100,000 per month, 3) contributions may vary each month, 4) retirement age is determined based on financial goals, and 5) the motivation to join the DPLK is due to the lack of a pension program for old age or emergency funds. Currently, the composition of DPLK participants consists of: 20% individual participants (on their own initiative) and 80% corporate participants (enrolled by companies), while of the 560,000 individual DPLK participants, 70% come from the informal sector and 30% come from the formal sector. There are 86.4% of informal workers who have not prepared for retirement funds and 89.4% of informal workers who do not have voluntary pension programs. However, informal workers are interested in DPLK as a program for income continuity in their old age with the support of education and the availability of digital access. In terms of potential, if 25% of current informal workers participate in DPLK with a minimum contribution of IDR 50,000 per month, the potential accumulation of funds will reach IDR 132 trillion over the next 10 years as part of increasing pension fund penetration among informal sector workers.
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 Syarifudin Yunus