1- Department of Business Administration, South Tehran Branch, Islamic Azad University, Tehran, Iran
2- Department of Business Administration, South Tehran Branch, Islamic Azad University, Tehran, Iran ,nasrollahniya@gmail.com
3- Department of Financial Mathematics, Kharazmi University, Tehran, Iran
2- Department of Business Administration, South Tehran Branch, Islamic Azad University, Tehran, Iran ,
3- Department of Financial Mathematics, Kharazmi University, Tehran, Iran
Abstract: (156 Views)
Introduction: In Iran, pension funds are defined benefit funds and their sustainability is important. However, their financial sustainability and how they are evaluated have always been criticized and studied. The welfare and social security system seeks to provide and improve the status of individuals in old age. Today, insurance is considered a key component and determinant of social security in every society. Therefore, this study addresses the improvement and development of the social security insurance acceptance model using the interpretive structural modeling technique.
Methods: This study is a cross-sectional survey study in terms of its applied-developmental purpose and in terms of the method and time period of data collection. The data collection tools were semi-structured interviews and a researcher-made questionnaire, and the reliability of the questionnaire was assessed as desirable using Cronbach's alpha and composite reliability. The qualitative part participants include theoretical experts (management professors) and empirical experts (experienced managers of the Social Security Pension Fund) in the number of 20 people. The statistical population of the quantitative part includes 384 people who are compulsory and self-employed insured in social security in Tehran. To identify the dimensions and components, the qualitative content analysis method was used, the structural-interpretive modeling method was used to determine the relationships between the components, and the partial least squares method was used to validate the model.
Results: Service marketing strategy, financial literacy of users, and physical equipment and facilities affect trustworthiness and responsiveness. Trustworthiness and responsiveness affect the improvement of customer experience and lead to customer participation, customer loyalty, and customer satisfaction. Through customer participation, it is ultimately possible to achieve the acceptance of pension funds.
Conclusion: By focusing on confirming all research hypotheses, it can be acknowledged that all components of the model have a positive and significant effect on achieving the acceptance of social security insurance.
Methods: This study is a cross-sectional survey study in terms of its applied-developmental purpose and in terms of the method and time period of data collection. The data collection tools were semi-structured interviews and a researcher-made questionnaire, and the reliability of the questionnaire was assessed as desirable using Cronbach's alpha and composite reliability. The qualitative part participants include theoretical experts (management professors) and empirical experts (experienced managers of the Social Security Pension Fund) in the number of 20 people. The statistical population of the quantitative part includes 384 people who are compulsory and self-employed insured in social security in Tehran. To identify the dimensions and components, the qualitative content analysis method was used, the structural-interpretive modeling method was used to determine the relationships between the components, and the partial least squares method was used to validate the model.
Results: Service marketing strategy, financial literacy of users, and physical equipment and facilities affect trustworthiness and responsiveness. Trustworthiness and responsiveness affect the improvement of customer experience and lead to customer participation, customer loyalty, and customer satisfaction. Through customer participation, it is ultimately possible to achieve the acceptance of pension funds.
Conclusion: By focusing on confirming all research hypotheses, it can be acknowledged that all components of the model have a positive and significant effect on achieving the acceptance of social security insurance.
Type of Study: Research |
Subject:
Special
Received: 2025/01/8 | Revised: 2025/04/13 | Accepted: 2025/02/22 | ePublished: 2025/04/9
Received: 2025/01/8 | Revised: 2025/04/13 | Accepted: 2025/02/22 | ePublished: 2025/04/9
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