儲蓄互助社社區居民參與之探查研究 :以水湳與玉井儲蓄互助社為例

Abstract

本研究根據PMI國際專案管理學會，利害關係人參與的分類針對儲蓄互助社社區居民參與的特性，將社區居民儲蓄互助社的參與分為不知、抗拒與支持三類；設計問卷，針對台中市水湳儲蓄互助社與台南市玉井儲蓄互助社所在地鄰近社區居民進行問卷調查，進行社區居民儲蓄互助社之參與現況及其影響因素之探查研究。

研究結果，顯示儲蓄互助社社區居民參與屬於不知或抗拒的對象仍然明顯高於支持加入儲蓄互助社，且此一現象有顯著的城鄉與性別差異。儲蓄互助社所屬社區居民往來金融保險機構選擇，仍以銀行及郵局為主；儲蓄互助社在都會地區社區居民中的地位微不足道，在鄉村地區則有其不可忽略的重要性。根據儲蓄互助社的儲蓄、貸款與保險三大服務項目而言，均受社區居民肯定其重要性。無論往來機構偏好或儲蓄、貸款與保險三大業務的優先選擇，均有顯著的城鄉差異，且往來機構偏好、儲蓄或貸款也有性別上顯著的差異。

儲蓄互助社社區居民參與模式與社區居民不知、抗拒與支持三種參與儲蓄互助社類別差異與對金融保險機構偏好間之相互影響關係，無論社區居民金融機構的優先偏好或貸款、儲蓄與保險機構選擇偏好，檢定結果均有顯著差異；表示金融機構往來偏好與儲蓄互助社參與類別彼此有顯著的相關。

In accordance with the project stakeholder management of the Project Management Institute (PMBOK Guide, fifth edition), the engagement level of the stakeholders can be classified as follows: unaware, resistant, neutral, supportive, and leading. However, we used unaware, resistant, and supportive as our engagement classification. In this study, we wanted to survey an exploratory Study on Citizen Engagement of Credit Union, and we used case of Shui-Nan Credit Union and Yu-Jing Credit Union in Taiwan.

The results, showing citizen engagement of credit union belonging to unaware, resistant still significantly higher than supportive to join a credit union, and this phenomenon has a significant rural-urban and gender differences. The residents in the credit union choose between financial and insurance institutions, banks and post offices are still preferred than other institute. According to a credit union share saving, loans and insurance three service business, community residents are subject to make sure its importance. The three service business, including share saving, loans and insurance choosing the credit union has the significant rural-urban differences. The share saving and loans has the significant gender difference, but the insurance does not have the significant gender differences.

Credit union citizen engagement model with three classified, including unaware, resistant, and supportive. There are a significant correlation between the citizen engagement model and preferences of the financial and insurance institutions.