PENGARUH PENDAPATAN, PERSPEKTIF WAKTU MASA DEPAN, DAN LITERASI KEUANGAN TERHADAP PERENCANAAN PENSIUN GURU SMK SWASTA DI SURAKARTA
Main Article Content
Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh (1) pendapatan terhadap perencanaan pensiun, (2) perspektif waktu masa depan terhadap perencanaan pensiun, (3) literasi keuangan terhadap perencanaan pensiun. Jenis penelitian yang digunakan dalam penelitian ini adalah kuantitatif dengan metode survei. Penggunaan metode survei ini berupa pengisian angket atau kuesioner oleh responden secara langsung. Populasi dalam penelitian ini adalah guru SMK swasta di Surakarta sejumlah 912 guru dan sampel penelitian yang ditetapkan sebanyak 278 guru. Teknik pengampilan sampel yang diguakan ialah proportioner random sampling. Teknik analisis data yang digunakan adalah analisis regresi hirarki. Hasil penelitian ini menunjukkan bahwa; 1) terdapat pengaruh positif dan signifikan pendapatan terhadap perencanaan pensiun, 2) terdapat pengaruh positif dan signifikan perspektif waktu masa depan terhadap perencanaan pensiun, 3) terdapat pengaruh positif dan signifikan literasi keuangan terhadap perencanaan pensiun guru SMK swasta di Surakarta.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Author(s) who wish to publish with Jurnal Ekonomi Pendidikan dan Kewirausahaan should agree to the following terms:
- Author(s) retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (CC BY-NC-SA) that allows others to share the work with an acknowledgment of the works authorship and initial publication in this journal for noncommercial purposes.
- Author(s) are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journals' published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
The publisher publishes and distributes the Article with the copyright notice to the Jurnal Ekonomi Pendidikan dan Kewirausahaan with the article license CC-BY-NC-SA 4.0.
Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
References
Alkhawaja, S. O., & Albaity, M. (2022). Retirement saving behavior: Evidence from UAE. Journal of Islamic Marketing, 13(2), 265–286. https://doi.org/10.1108/JIMA-03-2020-0072
Alliyah, S. (2019). Pengaruh Knowledge Sharing terhadap Kinerja Bisnis melalui Inovasi. Research Fair Unisri 2019, 3 (1).
Ariani, S., Rahmah, P. A. A. A., Putri, Y. R., Rohmah, M., Budiningrum, A., & Lutfi, L. (2016). Pengaruh literasi keuangan, locus of control, dan etnis terhadap pengambilan keputusan investasi. Journal of Business & Banking, 5(2), 257. https://doi.org/10.14414/jbb.v5i2.706
Arifin, A. Z., Halim, K. D., & Siswanto, P. (2017). The Influence of Financial Knowledge, Financial Confidence, and Income on Financial Behavior Among The Workfoce in Jakarta. Jurnal Ilmiah Manajemen, 7 (1), 37–47.
Badan Pusat Statistik. (2016). Penggolongan Pendapatan Penduduk. BPS.
Boisclair, D., Lusardi, A., & Michaud, P.-C. (2014). Financial Literacy and Retirement Planning in Canada (No. w20297; p. w20297). National Bureau of Economic Research. https://doi.org/10.3386/w20297
Brown, M., & Graf, R. (2013). Financial Literacy and Retirement Planning in Switzerland. Numeracy, 6(2). https://doi.org/10.5038/1936-4660.6.2.6
Brucker, E., & Leppel, K. (2013). Retirement Plans: Planners and Nonplanners. Educational Gerontology, 39(1), 1–11. https://doi.org/10.1080/03601277.2012.660859
Chua, S. M., & Chin, P. N. (2022). What drives working adults to be better prepared for their retirements? Managerial Finance, 48(9/10), 1317–1333. https://doi.org/10.1108/MF-07-2021-0327
Devi, B. E., Khairunnisa, K., & Budiono, E. (2017). The Influence of Intellectual Capital on The Company Financial Performance. Jurnal Akuntansi Kajian Ilmiah Akuntansi, 4 (1).
Dhlembeu, N. T., Mvita, M. F., & Kekana, M. K. (2022). The Influence of Financial Literacy on Retirement Planning in South Africa. South African Business Review, 26. https://doi.org/10.25159/1998-8125/9490
Earl, J. K., Bednall, T. C., & Muratore, A. M. (2015). A Matter of Time: Why Some People Plan for Retirement and Others Do Not. Work, Aging and Retirement, 1(2), 181–189. https://doi.org/10.1093/workar/wau005
Farrar, S., Moizer, J., Lean, J., & Hyde, M. (2019). Gender, financial literacy, and preretirement planning in the UK. Journal of Women & Aging, 31(4), 319–339. https://doi.org/10.1080/08952841.2018.1510246
Fitri Mansor, M., Choon Hong, C., Hidayah Abu, N., & Shahidan Shaari, M. (2015). Demographic Factors Associated with Retirement Planning: A Study of Employees in Malaysian Health Sectors. Asian Social Science, 11(13), p108. https://doi.org/10.5539/ass.v11n13p108
Ghadwan, A. S., Wan Ahmad, W. M., & Hanifa, M. H. (2022). Financial Planning for Retirement Models: An Integrative Systematic Review. Pertanika Journal of Social Sciences and Humanities, 30(2), 879–900. https://doi.org/10.47836/pjssh.30.2.24
Githui, T., & Ngare, P. (2014). Financial Literacy and Retirement Planning in the Informal Sector in Kenya. International Journal of Education and Research.
Hajam, M. A. (2020). The Effect of Future Orientation and Financial Literacy on Family Retirement Planning Mediated by Saving Attitude. Jurnal Sosial Humaniora, 13.
Harahap, S., Thoyib, A., Sumiati, S., & Djazuli, A. (2022). The Impact of Financial Literacy on Retirement Planning with Serial Mediation of Financial Risk Tolerance and Saving Behavior: Evidence of Medium Entrepreneurs in Indonesia. International Journal of Financial Studies, 10(3), 66. https://doi.org/10.3390/ijfs10030066
Herlindawati, D. (2015). Pengaruh Kontrol Diri, Jenis Kelamin, dan Pendapatan terhadap Pengelolaan Keuangan Pribadi Mahasiswa Pascasarjana Universitas Negeri Surabaya. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 3 (1), 158–169.
Huang, J., Nam, Y., & Sherraden, M. S. (2013). Financial Knowledge and Child Development Account Policy: A Test of Financial Capability. Journal of Consumer Affairs, 47(1), 1–26. https://doi.org/10.1111/joca.12000
Kadir, M. S., Sahallan, N. A., Ismail, M., Mazalan, I., & Sharif, S. (2016). The Factors Influencing Retirement Planning Management (Rpm) Among Sime Darby Research Employees: A Conceptual Framework. Journal of Business Innovation, 1(1), 1–14.
Kalmi, P., & Ruuskanen, O.-P. (2018). Financial literacy and retirement planning in Finland. Journal of Pension Economics and Finance, 17(3), 335–362. https://doi.org/10.1017/S1474747217000270
Kaur, B., & Hassan, Z. (2018). Impac of Age, Gender, Income, Education and Financial Literacy towards Retirement Planning among Generatio “Y” in Malaysia. International Journal of Education, Learning and Training, 3.
Kerry, M. J., & Embretson, S. E. (2018). An Experimental Evaluation of Competing Age-Predictions of Future Time Perspective between Workplace and Retirement Domains. Frontiers in Psychology, 8, 2316. https://doi.org/10.3389/fpsyg.2017.02316
Kimiyagahlam, F., Safari, M., & Mansori, S. (2019). Influential Behavioral Factors on Retirement Planning Behavior: The Case of Malaysia. Journal of Financial Counselling and Planning, 30(2), 244–251. http://dx.doi.org/10.1891/1053-3073.30.2.244
Kooij, D. T. A. M., Kanfer, R., Betts, M., & Rudolph, C. W. (2018). Future time perspective: A systematic review and meta-analysis. Journal of Applied Psychology, 103(8), 867–893. https://doi.org/10.1037/apl0000306
Kumajas, L. I., & Wuryaningrat, N. F. (2020). Dana Darurat di Masa Pandemi Covid-19. Modus, 33 (1), 1–17.
Kumajas, L. I., & Wuryaningrat, N. F. (2022). Financial Retirement Plan Based on Knowledge-Based View Theory Perspective. Jurnal Manajemen Teknologi, 21 (3), 302–318.
Kumar, S., Shukla, G. P., & Sharma, R. (2019). Analysis of key barriers in retirement planning: An approach based on interpretive structural modeling. Journal of Modelling in Management, 14(4), 972–986. https://doi.org/10.1108/JM2-09-2018-0134
Kustodian Sentral Efek Indonesia. (2017). KSEI News Terobosan 20 Tahun KSEI: Dua Dasawarsa Berinovasi untuk Negeri (Edisi 04). PT. Kustodian Sentral Efek Indonesia.
Kusumaningtyas, I., Hakim, L., & Harti, H. (2022). Pengaruh Literasi Keuangan dan Inklusi Keuangan terhadap Perilaku Investasi Guru Ekonomi Sma/Ma Kota Surabaya. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 10(2), 141–154. https://doi.org/10.26740/jepk.v10n2.p141-154
Larisa, L. E., Njo, A., & Wijaya, S. (2021). Female workers’ readiness for retirement planning: An evidence from Indonesia. Review of Behavioral Finance, 13(5), 566–583. https://doi.org/10.1108/RBF-04-2020-0079
Lawson, J. M. J., & Hershey, D. A. (2005). Influence of Future Time Perspective, Financial Knowledge, and Financial Risk Tolerance on Retirement Saving Behaviors. Financial Service Review, 331–344.
Leandro-França, C., Van Solinge, H., Henkens, K., & Murta, S. G. (2016). Effects of three types of retirement preparation program: A qualitative study of civil servants in Brazil. Educational Gerontology, 42(6), 388–400. https://doi.org/10.1080/03601277.2016.1139969
Lee, H. S., & Hong, S. A. (2014). Factors Affecting Hospital Employees’ Knowledge Sharing Intention and Behavior, and Innovation Behavior. Osong Public Health and Research Perspectives, 5(3), 148–155. https://doi.org/10.1016/j.phrp.2014.04.006
Lusardi, A., & Mitchell, O. S. (2011). Financial literacy around the world: An overview. Journal of Pension Economics and Finance, 10(4), 497–508. https://doi.org/10.1017/S1474747211000448
Lyu, H., & Huang, X. (2016). Development and validation of Future Time Perspective Scale for Adolescents and Young Adults. Time & Society, 25(3), 533–551. https://doi.org/10.1177/0961463X16662669
Mansor, M., Choon Hong, C., Hidayah Abu, N., & Shahidan Shaari, M. (2015). Demographic Factors Associated with Retirement Planning: A Study of Employees in Malaysian Health Sectors. Asian Social Science, 11(13), p108. https://doi.org/10.5539/ass.v11n13p108
Mulyanto, Sumardi, Dieter, E., & Hans. (2017). Sumber Pendapatan, Kbutuhan Pokok, dan Perilaku Menyimpang. CV Rajawali CItra Press.
Murari, K., Shukla, S., & Adhikari, B. (2021). Do psychological social and financial perceptions of post-retirement life and demography influence the retirement planning behaviour? International Journal of Social Economics, 48(11), 1545–1566. https://doi.org/10.1108/IJSE-08-2020-0581
Nakash, M., & Bouhnik, D. (2021). Should knowledge management in organizations be rebranded? VINE Journal of Information and Knowledge Management Systems. https://doi.org/10.1108/VJIKMS-09-2021-0193
Navickas, M., Gudaitis, T., & Krajnakova, E. (2014). Influence of Financial Literacy on Management of Personal Finances in a Young Household. Verslas: Teorija Ir Praktika, 15(1), 32–40. https://doi.org/10.3846/btp.2014.04
Nurhadi, & Suyanto. (2016). Ekonomi untuk SMA Kelas X. Erlangga.
OECD. (2013). PISA 2012 Assessment and Analytical Framework: Mathematics, Reading, Science, Problem Solving, and Financial Literacy. OECD Publishing.
Petkoska, J., & Earl, J. K. (2009). Understanding the influence of demographic and psychological variables on retirement planning. Psychology and Aging, 24(1), 245–251. https://doi.org/10.1037/a0014096
Rohr, M. K., John, D. T., Fung, H. H., & Lang, F. R. (2017). A three-component model of future time perspective across adulthood. Psychology and Aging, 32(7), 597–607. https://doi.org/10.1037/pag0000191
Rokhman, M. A. (2021). The Effect of Financial Literature and Future Orientation with Mediating Role of Saving Attitude toward Retirement Planning Behaviour. International Journal of Economics, Business and Management Research, 5, 207–226.
Sarpong-Kumankoma, E. (2021). Financial literacy and retirement planning in Ghana. Review of Behavioral Finance. https://doi.org/10.1108/RBF-05-2020-0110
Silvy, M., & Yulianti, N. (2013). Sikap Pengelola Keuangan dan Perilaku Perencanaan Investasi Keluarga di Surabaya. Journal of Business and Banking, 30(1), 57–68.
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta.
Sundjaja, R. S., Barlian, I., & Sundjaja, D. P. (2013). Manajemen Keuangan. Literata Lintas Media.
Susanti. (2016). Pengaruh Locus Of Control Internal dan Pendapatan terhadap Literasi Keuangan Mahasiswa. Jurnal Ekonomi Pendidikan Dan Kewirausahaan, 4 (1), 5–17.
Tan, S., & Singaravelloo, K. (2020). Financial Literacy and Retirement Planning among Government Officers in Malaysia. International Journal of Public Administration, 43(6), 486–498. https://doi.org/10.1080/01900692.2019.1672078
Tomar, S., Kent Baker, H., Kumar, S., & Hoffmann, A. O. I. (2021). Psychological determinants of retirement financial planning behavior. Journal of Business Research, 133, 432–449. https://doi.org/10.1016/j.jbusres.2021.05.007
Topa, G., Palaci, F., & Jimenez, I. (2018). Too soon to worry? Longitudinal examination of financial planning for retirement among Spanish aged workers. PLOS One, 13. https://doi.org/10.1371/journal.pone.0209434
Wise, S. (2013). The Impact of Financial Literacy on New Venture Survival. International Journal of Business and Management, 8(23), p30. https://doi.org/10.5539/ijbm.v8n23p30