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All Journal Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset 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.
Strategi Pemasaran Inklusif untuk Meningkatkan Partisipasi Dana Pensiun Pekerja Sektor Informal di Indonesia: Analisis Hambatan, Segmentasi Pasar, dan Rekomendasi Implementasi Syarifudin Yunus; Farid Nabil Elsyarif
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 4 No. 4 (2026): Juli: Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v4i4.2643

Abstract

This study on inclusive marketing strategies to increase participation in pension funds among informal sector workers in Indonesia was conducted using a descriptive method with a mixed-methods approach, with a sample of 100 informal workers in the Greater Jakarta area. The study concluded that barriers to pension fund/DPLK participation among informal sector workers include: the perception that pension funds are illiquid (difficult to withdraw) at 28%, lack of education at 22%, the fact that participation is not mandatory or a lack of awareness at 19%, the lack of digital access at 13%, the perception that the system is absurd at 13%, and the perception that it is only for office workers at 5%. A transformation of the pension fund/DPLK marketing strategy is needed, shifting from a product-oriented approach to a participant-centered one. Segmentation of informal workers to increase pension fund participation can be divided into 1) traditional informal groups (lower tier), such as day laborers, street vendors, domestic workers, small-scale merchants, and micro-scale ride-hailing drivers; and 2) modern informal groups (upper tier), such as contractors, content creators, artists, consultants, and gig economy workers with medium to large-scale economic activities. Concrete recommendations to increase DPLK participation among informal workers involve shifting the DPLK approach from a conventional model to an inclusive-digital model, with a focus on 1) prioritizing community-based financial literacy, 2) flexibility, and 3) inclusivity through pension digitization.
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.
Co-Authors Syarifudin Yunus