PERAN LITERASI KEUANGAN, SIKAP KEUANGAN, DAN TOLERANSI RISIKO KEUANGAN TERHADAP PERENCANAAN PENSIUN DIMODERASI SARAN PENASIHAT KEUANGAN
Abstract
Penelitian ini mengkaji peran literasi keuangan, sikap keuangan, dan toleransi risiko keuangan terhadap perencanaan pensiun, dengan saran penasihat keuangan sebagai variabel moderasi. Penelitian ini bertujuan untuk mengeksplorasi bagaimana faktor-faktor tersebut mempengaruhi kesiapan individu dalam merencanakan pensiun, khususnya pada pekerja di Kabupaten Tangerang, Indonesia. Menggunakan pendekatan kuantitatif, data dikumpulkan melalui survei online dari 200 responden, dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan, sikap keuangan, dan toleransi risiko keuangan memiliki pengaruh positif yang signifikan terhadap perencanaan pensiun. Selain itu, saran penasihat keuangan terbukti memoderasi hubungan antara literasi keuangan, sikap keuangan, dan perencanaan pensiun. Penelitian ini menyoroti pentingnya peningkatan literasi keuangan dan sikap keuangan, terutama di kalangan individu usia produktif, untuk memastikan keamanan finansial di masa pensiun. Penelitian ini juga menekankan peran penting penasihat keuangan dalam membimbing individu untuk membuat keputusan perencanaan pensiun yang tepat. Penelitian ini memberikan kontribusi terhadap pemahaman perencanaan pensiun di Indonesia dan memberikan wawasan bagi lembaga keuangan, pembuat kebijakan, serta individu untuk meningkatkan kesiapan pensiun.
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Jonathan, I., & Bertuah, E. (2025). Predicting Financial Well-Being in Millennial Workers : A Test of the Theory of Planned Behavior and the Role of Financial Literacy. 0, 97–114.
Juwita, R. (2024). The Determinants of Saving Behaviour for Retirement Preparation for the Millennial Generation. In Global Business and Management Research (Vol. 16, Issue 2s).
Kadir, J. M. A., Zainon, S., Ismail, R. F., Aziz, S. N. A., & Amran, A. A. I. (2020). Retirement Planning and its Impact on Working Individuals. European Journal of Molecular and Clinical Medicine, 7(6), 1550–1559.
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Kim, J., Gutter, M. S., & Spangler, T. (2017). Review of family financial decision making: Suggestions for future research and implications for financial education. Journal of Financial Counseling and Planning, 28(2), 253–267. https://doi.org/10.1891/1052-3073.28.2.253
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Linda Evelina Larisa, A. N. and S. W. (2020). Female workers’ readiness for retirement planning: an evidence from Indonesia. Review of Behavioral Finance.
Liu, C., Bai, X., & Knapp, M. (2022). Multidimensional Retirement Planning Behaviors, Retirement Confidence, and Post-Retirement Health and Well-Being Among Chinese Older Adults in Hong Kong. Applied Research in Quality of Life, 17(2), 833–849. https://doi.org/10.1007/s11482-020-09901-7
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Published
2025-10-25
How to Cite
Muflihah, D., & Munandar, A. (2025). PERAN LITERASI KEUANGAN, SIKAP KEUANGAN, DAN TOLERANSI RISIKO KEUANGAN TERHADAP PERENCANAAN PENSIUN DIMODERASI SARAN PENASIHAT KEUANGAN. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 9(3), 1362-1386. https://doi.org/10.31955/mea.v9i3.6406
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