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| Title: | 企業專案之社會投資報酬效益分析— 以影響力存款及貸款專案為例
Social Return on Investment for a Corporate Project –A Case of the Social Impact Saving and Loan |
| Authors: | 葉日青
Yeh, Jih-Ching |
| Contributors: | 別蓮蒂
Bei, Lien-Ti
葉日青
Yeh, Jih-Ching |
| Keywords: | 影響力專案
影響力存款
影響力貸款
社會投資報酬率
SROI
Social Impact Program
Social Impact Saving
Social Impact Loan
Social Return on Investment
SROI |
| Date: | 2022 |
| Issue Date: | 2023-02-01 14:10:10 (UTC+8) |
| Abstract: | 王道銀行於 2020 年推出結合公益理念與銀行本業的「影響力專案」，為國內首見透過邀請個人客戶存放影響力定儲存款，並將影響力存款資金專款專用，提供給經濟弱勢者申貸使用之金融公益專案。
為了檢視「影響力專案」的成效，本研究協助企業使用社會投資報酬率
(Social Return on Investment, SROI)作為影響力專案之評估工具，本研究評估期間為 2020 年 12 月 1 日至 2021 年 11 月 30 日，為本專案推出之首年期間，屬於評估型 SROI 報告。
本次專案透過利害關係人訪談、問卷調查方式，共與 105 人次專案存款戶
及 16 人次影響力貸款戶進行議合，根據專案評估結果，影響力專案為專案貸款戶與存款戶帶來 21 項成果，其中影響力貸款戶成果有 10 項，包含：減輕個人與家庭經濟壓力、提升個人與家庭的生活品質、獲得相信未來會更好的信心等；存款戶成果則有 11 項，包含：相信自己做了正確的事情、內心感到幸福或愉悅、有助培養個人儲蓄習慣等。此外，本研究在不同計算假設下，得出「影響力專案」SROI 數值介於 3.50 至 7.23 之間，若以 SROI 數值等於 3.50 為例，意即每投入新台幣 1 元至影響力專案，將能創造約新台幣 3.50 元之社會價值。
另外，本研究發現，影響力專案存款戶對於企業定期發佈年度專案執行報
告抱持正向態度，該做法將有助延長客戶參與專案過程所獲得的正向感受，以及提升專案所產生的效益。本研究亦根據本次 SROI 評估研究，針對再次執行可更臻完善處提出改善建議，提供未來有興趣從事相關研究之學者酌參。
In 2020, O-Bank launched the“Social Impact Program,”incorporates the concept of public welfare into banking services. The Social Impact Program is the first financial public welfare project in Taiwan that invites customers to open time deposit accounts under the program, with the deposited funds used only for the specific purpose of backing microloans to economically disadvantaged people.
To review the outcomes of our Social Impact Program, this study assists companines to adopt Social Return on Investment (SROI) methodology as a Social Impact Program evaluation tool. The period covered by this study (which is categorized as an SROI evaluation report) spans from 1 December 2020 to 30 November 2021, which is also the first year of this program.
Through stakeholder interviews and questionnaires, this study engages with 105 Social Impact Program depositors and 16 borrowers. The results of the evaluation indicate that the Social Impact Program has yielded 21 outcomes, of which 10 have affected borrowers, including the following three: helped to relieve pressure on personal and family finances; helps to improve quality of life for oneself and one’s family members`; and gave confidence that the future will be better. The other 11 outcomes have affected depositors, and include the following three: feel confident that I`ve done something good; gained a feeling of happiness; and this will help get me in the habit of saving money. Under different calculation assumptions, this study concluded that the SROI value of the Social Impact Program is between 3.50 and 7.23. If the SROI value is equal to 3.50, for example, i.e., every input of NT$ 1 will have created NT$ 3.50 in social return.
In addition, this study finds that Social Impact Program depositors have a positive attitude towards companies regularly publishing annual program implementation reports, which will help prolong the positive perception of customers participating in the program and will enhance the benefits of the program. Based on this SROI evaluation results, this study also proposes improvement suggestions for improvements, and provides suggestions for scholars who are interested in conducting related research in the future. |
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| Description: | 碩士
國立政治大學
企業管理研究所(MBA學位學程)
110363053 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0110363053 |
| Data Type: | thesis |
| Appears in Collections: | [企業管理研究所（MBA學位學程）] 學位論文
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| 305301.pdf | | 2151Kb | Adobe PDF2 | 85 | View/Open |
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