THE FACTORS AFFECTING WORKERS' BEHAVIOR OF PARTICIPATING IN VOLUNTARY SOCIAL INSURANCE
This study aims to evaluate factors affecting the behavior of informal sector workers participating in voluntary social insurance. The project has carried out a rigorous research process based on a representative sample of workers in the informal sector. It has successfully built and adjusted measurement scales based on the theory of planned behavior (TPB). The results show that subjective norms significantly impact the Intention to participate in voluntary social insurance but have no relationship with the behavior of participating in voluntary social insurance. Besides, the regression results also show that perceived usefulness directly impacts the Intention to participate in voluntary social insurance and the Behavior of participating in voluntary social insurance. Notably, the results show that the employee's moral responsibility towards family strongly impacts the Intention to participate and behavior in voluntary social insurance. The research results show a strong relationship between the intermediate variable of Intention to participate and the behavior of participating in voluntary social insurance. The results show an indirect relationship between the subjective norm variables, moral responsibility, and behavior of participating in voluntary social insurance through the intermediate variable, Intention to participate in voluntary social insurance. However, the results do not show an indirect relationship between subjective norms and the behavior of participating in voluntary social insurance; in other words, Intention to participate does not mediate this relationship.
Voluntary Social Insurance, Theory Of Planned Behavior (TPB), Workers, Hanoi.