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Tgp chi Khoa hoc - Cong nghe Thuy sdn KET QUA NGHIEN COU DAO TAO SAU DAI HOC CAC NHAN TO ANH HL'ONG ©EN Y DINH THAM GIA BAO HIEM XA HOI TU NGUYEN CUA NGUOI LAO DONG KHU Vy^C PHI CHINH THt C TAI TLNH PHU YEN THE FACTORS AFFECTING THE INTENT TO PARTICIPATE I OL CMARYSOCIAL INSCIt4NCE OF WORKERS IN CNOFFICIAL SECTOR A T PHI YEN PRO J INCE Trmmg Thj Phiecmg', \guyen Thi HienNga\ nhan bai: 20 02 2013, Ngay phdn bienlhong qua: 22 2013 Ngay duy?t dang; 15 2013 TOM TAT Ket qua nghien aiu ve cdc nhdn to dnh hudng den y dinh tham gia bdo hiem xa hdi tu nguyen (BHXH TN) cua nguai lao dpng khu vuc phi chinh thirc (NLD KVPCT) tgi tinh Phu Yen dd giup hinh thdnh mo hinh ngbien citu phu hgp Omo hinh nghien ciru ndy gom nhiing thang cd dotincdy giup ludng thdnh phdn cdc nhdn id vd y dmh tham gia bdo hiem xd hgi tfr nguyen a Phu Yen Tdt cd nhiing ket qud ciia nghiin cuu da chi dugc muc dg quan hay ihii tu uutiencua cdc nhdn td dnh huang din y dinh Iham gia BHXH T\ cua ngirdi lao dgng khu vuc phi chlnh thuc Ngodi ra, nghiin cuu ndy gdp phdn vdo h^ thong thang cdc nhan to dnh hudng den y dinh tham gia BHXH TN taiti'nhPhu Yen ndi rieng, Viet Nam noi chung Vd kit qud nghiin ciru ndy Id ca sa de cdc nhd hogch dinh chinh sdch dua nhOng chinh sdch phu hgp dephat trien BHXH TN tuang lai Tit khda' bdo hiem \d hoi tu nguyin nguai lao dgng khu virc phi chinh thuc ABSTR-^CT Research results alout the factors affecting the intent lo participate voluntary social insutance of workers in unofficial sector at Phu Yen province ha\e helped to a shape model which fits a real This research model inclides the trusted measurements which helps measure composition of factors and intend to participate in voluntary social insurance at Phu Yen province All the results ofthe study showed the importance or the priority of the factors affecting the intent to participate in voluntary social insurance ofnorhers m unofficial sector In addition, this study also contributes to the system scale of factors affecting the intent to participate in voluntary social insurance at Phu Yen province in particular and Vietnam in general And, Research results make basic for policy makers to make appropriate policies for social development voluntary social insurance in thefiiture Keywords: voluntary social insutance, workers in unofficial sector I D A T V A N D ^ Xa hpi cdng phit triin, nhu d u cupe sing cua ngudi c i v i vgi chit v i ttnh thin cdng da dgng vd phong phu, nhtrng kha nang riii ro xa hpi d ehieu hudng gia tang Do nhu d u ve bdo hiem an toin cho cd nhdn vl the eung lang len dae biet la nhirng NLD KVPCT Lao ddng khu vyc Id nhung ngudi lao ddng vira Idm chti l u lieu s i n x u l l vira Idm ehu sue lao dgng, nhung trinh d i to chtrc san xult kinh doanh cua ' Tnrong Thi Phuvng' Ldp Cao hgc Quan tri kinh doanh 2009 - Tnrdng Dai hoc Nha Trang ' TS Nguydn Th| Hien Tardng Dai hgc Nha TfBng TRUONG OAI HOC NHATRANG - So 2/2013 Tgp chi Khoa hoc - Cong nghe Thdy sdn hp cdn lac h i u , lao dpng thii cdng, lao ddng thti TN eiia ngdnh BHXH chua phit huy higu qua Muc d i d d i bn egy Cronbach's alpha dupe cho d t)ang ctia nghien ctiu ndy diing de dieu chinh va bo sung (Cac trgng s i < 0.50 bj loai t)0 khoi tiang) Ihang cdc nhdn l i dnh hudng din y dinh tham gia Bang Ma tran d i e trung cua cac nhan to Cac khai ni^m Truyen thong Thu nhap ^dinh tham glaBHXH Nhan thipc tinh ASXH cua BHXH TN Anh huvng xa hgi Hieu biet ve BHXH TN Thai C i c chi b ^ TRTH0NG1 TRTHONG5 TRTH0NG8 TRTH0NG6 TRTH0NG3 TNHAP1 TNHAP6 TNHAP3 YDINH3 YDINH2 YDINH4 YDINH1 NTASXH6 NTASXH3 NTASXH4 NTASXH2 AHXH2 AHXH4 AHXH1 HBIET1 HBIET2 HBIET4 THAID02 THAID01 THAID03 Cac nhan tc 900 867 690 671 661 Cronbach's alpha 878 929 870 777 898 820 812 723 539 Ttr bdng 2, ta thiy cd ting d n g nhan to dupc rdt dung nhu mong dpi ctia nghien cuu cae chi bdo ludng h i i tu frdn nhQng khdi nigm du djnh cdc nhan to khic Id tdch rdi, v i cae g i i tri so nhdn to deu Idn ban 0,5 Ben egnh edc he s i Cronbach's alpha ctta cd 184 • TRUONG OAI HOC NHA TRANG 842 841 0.839 0.617 0.509 756 845 814 753 847 802 775 771 824 733 718 631 749 thang d e khdi nidm deu Idn hon 0.70, dilu n i y chung to d c thang ed tin cdy phii hpp eho phan tich tiep theo D i phdn tich tdc ding eiia c i c bien doc lap den sy h i i Idng, su dyng AMOS 18 kiem djnh cdc quan h i d u tnjc frong md hinh de xuaL So 2/2013 Tgp chi Khoa hgc - Cong nghe Thity sdn B i n g Kit qua k i i m djnh cdc quan he cau trdc m i hinh nghien ci>u de xuat Bi4n d^c l9p 1.NT 2.TD 3.XH 4.HB 5.TN 6.TT Gia thiet Ket lu|n HI H2 H3 H4 H5 H6 Ong hp Ung hp Ung h i Ung h i Cing h i Onghp He so ciu Injc Ktiong chuan hoa Chuan h6a Thong Ite t 0.191 0.083 0.170 0.143 0.223 0.386 0.217 0.104 0.145 0.156 0.322 0.375 3.6"* 2.6 3.1" 6.3"* 5.8"- Bi&n phu ttiuQC Y finh ttiam gia BHXH TN P? = 63.1 %.p nhdt Nganh BHXH d n chii frpng vd d t i dpng phoi hpp vdi cde d p eae nganh lien quan viec phit tiien tinh vyc truyin thdng v i BHXH TN d ve so lirpng va chat lupng ding thdi ddu tu kinh phi hpp ly ctio finh vyc TTJU ba/; Cd sy phdi ket hpp ldng ghep rfiucmg tiinh BHXH TN vdi cac chuong frinh muc tieu khac de tao viec ldm va thu nhap on djnh eho NLD K\ff^CT Mat khac Nhd ntrdc d n ptidl xay drnig Id trinh So 2/2013 hoach djnh nguon ngan sach de ho tipr mpt phdn phi tham gia BHXH TTJ cho mpt s i nhdm d ^ f p n g Thif ba: Nha nudi; d n nghien ci>u sau va ky ludng ttiong ke day dii tiiong tin v l KVPCT d i d chinh sach BHXH TtJ phu hpp cho khu vuc Thif tir Xay dyng chinh s a d BHXH TN phu hpp cho lao dpng fren 45 tuoi vdi nam vd fren 40 tuoi vdi nt> tao didu kien de hp dupc ttiam gia vao ludi ASXH gdp phin md rpng dupc dp bao phii d a chinh sach BHXH TN d dp frjoi nay, ngudi lao dpng chii y nhiiu hon den cupc swig v l gia va tilm lyc tai chinh d a nhirng lao dpng cung tot hon khdng cdn phai ehi phi nhieu cho nudi dgy cai ma cdn la budc khdi dau cho qua frinh chuyen doi md hinh BHXH toa ttiu toa d i nhu h i ^ sang md hinh tai khoan cd nhan tupng bung de tien tdi hinh thdnh mot he tti&ig BHXH cdng bdng, minh bach va b i n vung, loai bd dupc nhirng yeu diem d a he ttidng BHXH hien hdnh Thvndm: Tang cudng cdng lac tra kiem tra, p h ^ hpp viec trien khai to chirc tiiyc hien chinh s d d BHXH TN Id dd kip tiidi dua nhirng chinh s a d giai quylt phti hpp thiit Ihyc vdi ngudi ddn lao dpng d i Igo diiu Iden ttiuan Ipi ho tbam gia BHXH TN nham tiin ten BHXH cho mpi NLD ThiJ sau: Nha nude d n phai dua ehi tieu cdng tac thye hien chinh sach BHXH TN vdo d e ttidng ke, bdo cdo, tong hcrp theo ky thing, quy, nam tir d p tinh xuing ex? sd vd phdi xem nd Id mot chi lieu ttii dua nhu cac d i i tieu kinh l l xa h i i khdc Cudi cung: Nganh BHXH d n md rgng d c dgi tf thu BHXH TN tang eudng dpi ngu d n g t i c vien BHXH d i n d p huyen xa, phudng tiii tran nhdm tao diiu kien thuan Ipi viec tilp can vd ttiam gia BHXH TN d a ngtrdi dan Ddo tao t>di duong dpi ngu can bp Idm cAng tac BHXH, dpi ngu cdn bp dgi ly theo pitong each hirdng phuc vu d i i tupng gira ve chuyen mrai nghiep vy nhiet huylt va cd tam vdi nghd nhim xay dyng thtrong hieu BHXH Idng ngudi ddn TAI LIEU TRAM KHAO Tung Viet Qu6c hgi, (2006), Luat Bao hiim xa hgi, S6 71/2006/QHl 29 Ihang 6iam 2006 Dfing Qudc Dat, (2008), Bao hi&n xa hpi KVPCT Viet Nam, diirc trang ' a I d ^ nghi Tap c|]i kinh tk v dubao So 15 (431), thing S nam 2008 Nguy&i Knh Thp, Nguyan Thi Mai Trang (2007)., Nghim ctiu khoa hoc MaikctiDg, NXB Dgi hoc Qu6c ^a TP H6 C3ii Minh Hoang Trpng, Chu Nguyen Mong Ngpc (2005) Ptian tidi dii lieu nghien cihi vai SPSS N"XB ThSng Ke Ho Huy Tgu, Duong Tri Thao (2007) Hanh vi tieu diii^ ca: Vai tro cua cac td xa boi Tap chi Khoa hoc va Craig n ^ Thuy san, Truong Dai hgc Nha trang, S6 3,18 - 28 http JiiatTTiinhkhiiff vn;lwn-hipTrvhan-hipm-Ta-lMii-phi.i:hinh-rhiir-o-viet-nain-thiir-tr3ng-va-kipi)-ng^i j\spK Tieng Anh Ajzeii,L,(l991),T1)etbeoiyofplamiedb^iavior,OFgaiiizationalBefaavioTaDdHunianDecisiooPFocess,50 179-211 Schif&nan va Kanuk Omsumer bdiavior Prentice - HaU Intranational Editions, 3"^ ed, 1987, trang 279; Ajzen, L, (199! The dieoiy of planned behavior Organizational Behavior and Human Decisicsi I^ocess, 50, 179-211 186 • TRUONG OAI H O C NHA TRANG ... khuyen khich Anh/Cht tham gia BHXH TN AHXH2 NhO'ng ngudi thdn gia dinh cd itng hp Anh/Chj vigc tham gia BHXH TN AHXH4 Nhirng ngudi da v i dang hudng ehe BHXH da t i c ddng den y d|nh tham gia. .. nang tham gia BHXH TN ggp khd khin TNHAP3 Mirc phf t i i thieu khung phi ddng BHXH TN hign la eao so vdi thu nhgp Ihyc te ciia Anh/Chj TNHAP6 Neu dupe Nhd nude h i trp them mdt phin mirc phi tham. .. TN.(nghTa i i dang tham gia BHXH bit bupc nghi vtec thi cd the tham gia BHXH TN v i ngupc igi) Nhdn to Thdi d$ THAID01 Anh/Cht Ihly tham gia BHXH TN Id viee d n thiet nen Idm, THAID02 Tham gta BHXH
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