Pendapatan sebagai mediasi faktor penentu perencanaan dana pensiun
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Abstract
Managing pension funds is very important because it can protect an individual so that they have a comfortable retirement and are free from unstable financial conditions. This research aims to determine the influence of financial literacy, financial attitudes, savings attitudes, retirement strategies, and financial knowledge on retirement fund planning and is mediated by income. Using quantitative research methods, with descriptive research type. This research used purposive sampling by collecting 200 samples. Using Partial Least Square data analysis consists of two stages, namely: external model evaluation and internal model evaluation. The evaluation of the external model is grouped into two more parts, namely the reflective model and the normative model. The research results show that financial literacy, financial attitudes, retirement strategies, and financial knowledge influence retirement fund planning. Meanwhile, saving attitudes do not influence retirement planning, and financial attitudes influence retirement fund planning, mediated by income based on statistical results.
Mengelola dana pensiun merupakan hal yang sangat penting, sebab dapat melindungi seorang individu agar memiliki masa pensiun yang nyaman dan terbebas dari kondisi finansial yang tidak stabil. Penelitian ini bertujuan untuk mengetahui apakah pengaruh kontrol perilaku, sikap keuangan, perilaku menabung, dan strategi pemilihan investasi dana pensiun yang dimoderasi oleh pendapatan seorang individu berpengaruh terhadap strategi dalam pengelolaan investasi rencana pensiun di kalangan dewasa dan muda. Menggunakan metode penelitian kuantitatif dengan jenis penelitian deskriptif. Penelitian ini menggunakan purposive sampling dengan mengumpulkan 200 sampel. Menggunakan analisis data Partial Least Square terdiri dari dua tahapan, yaitu evaluasi model luar dan evaluasi model dalam. Evaluasi terhadap model luar dikelompokkan menjadi dua bagian lagi, yaitu model reflektif dan model normatif. Hasil penelitian menunjukkan bahwa literasi keuangan, sikap keuangan, strategi pensiun, dan pengetahuan keuangan memiliki pengaruh positif terhadap perencanaan dana pensiun. Sementara itu, sikap menabung tidak memiliki pengaruh terhadap perencanaan pensiun dan sikap keuangan memiliki pengaruh terhadap perencanaan dana pensiun dimediasi oleh pendapatan berdasarkan hasil olah statistik.
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