Analisis Pengaruh Financial Literacy, Future Orientation, Usia dan Gender terhadap Perencanaan Dana Pensiun PNS di Kota Surabaya
DOI:
https://doi.org/10.26740/jim.v9n1.p217-227Keywords:
retirement planning, financial literacy, future orientation.Abstract
Retirement planning is an important thing that should be a concern and implemented by every working people to achieve their happiness in retirement years, especially in countries like Indonesia, which experience a significant increase in the number of elderly each year. Focus on civil servants who are guaranteed pension funds from the government, each year, the number of workers who enter retirement age. This research aims to determine the effect of financial literacy, future orientation, age, and gender on retirement planning. The research sample is 110 respondents who are civil servants in Surabaya”collecting data by online questionnaires. The data analysis technique uses multiple linear regression by SPSS. This research results in financial literacy and future orientation positively affecting retirement planning. In contrast, the variables age and gender did not affect retirement planning.
References
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), 179211. https://doi.org/10.1016/0749-5978(91)90020-T
Asokumar, A. (2018). Determinant of Employees Retirement Planning¯: A Review of Malaysian Retirement Plans. Global Business and Management Research: An International Journal, 10(3).
BKN. (2019). Peminat CPNS Naik 12%, BKN Pastikan Pelaksanaan Seleksi Akuntabel dan Transparan. Retrieved March 21, 2020, from www.bkn.go.id website: https://www.bkn.go.id/berita/peminat-cpns-naik-12-bkn-pastikan-pelaksanaan-seleksi-akuntabel-dan-transparan
BKN. (2019). Statistik PNS per Desember 2018: Tenaga Guru dan Kesehatan Menjadi Fokus Pemenuhan Kebutuhan ASN. Retrieved March 3, 2020, from www.bkn.go.id website: https://www.bkn.go.id/wp-content/uploads/2019/04/Statistik-PNS-per-Desember-2018-Tenaga-Guru-dan-Kesehatan-Menjadi-Fokus-Pemenuhan-Kebutuhan-ASN.pdf
BPS. (2014). Proyeksi Penduduk menurut Provinsi, 2010-2035. Retrieved March 4, 2020, from www.bps.go.id website: https://www.bps.go.id/statictable/2014/02/18/1274/proyeksi-penduduk-menurut-provinsi-2010---2035.html
BPS. (2017). Statistik Penduduk Lanjut Usia 2017. Retrieved March 4, 2020, from www.bps.go.id website: https://www.bps.go.id/publication/2018/04/13/7a130a22aa29cc8219c5d153/statistik-penduduk-lanjut-usia-2017.html
Chen, H., & P.Volpe, R. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 7(2), 107128. https://doi.org/10.3788/CJL201643.0811001
Chinen, K., & Endo, H. (2012). Effects of Attitude and Background on Personal Financial Ability: A Student Survey in the United States. International Journal of Management, 29(1), 33.
CNN Indonsia. (2018). Hanya 3,1 Persen Penduduk Produktif di RI yang Wirausaha. Retrieved March 21, 2020, from www.cnnindonesia.com website: https://www.cnnindonesia.com/ekonomi/20181018210657-92-339664/hanya-31-persen-penduduk-produktif-di-ri-yang-wirausaha
Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM dan SPSS 23 (8th ed.). Badan Penerbit Universitas Diponegoro.
Grace, D., Weaven, S., & Ross, M. (2010). Consumer retirement planning: An exploratory study of gender differences. Qualitative Market Research, 13(2), 174188. https://doi.org/10.1108/13522751011032601
Kim, K. T., Hanna, S. D., & Chen, S. C. (2014). Consideration of retirement income stages in planning for retirement. Journal of Personal Finance, 13(1), 52.
Kimiyagahlam, F., Safari, M., & Mansori, S. (2019). Influential Behavioral Factors on Retirement Planning Behavior: The Case of Malaysia. Journal of Financial Counseling and Planning, 30(2), 244261. https://doi.org/10.1891/1052-3073.30.2.244
Klapper, L., & Panos, G. A. (2011). Financial literacy and retirement planning: The Russian case. Journal of Pension Economics and Finance, 10(4), 599618. https://doi.org/10.1017/S1474747211000503
Kumar, S., Tomar, S., & Verma, D. (2019). Womens financial planning for retirement: Systematic literature review and future research agenda. International Journal of Bank Marketing, 37(1), 120141. https://doi.org/10.1108/IJBM-08-2017-0165
Kusumawanti, D. (2018). Pengaruh Materialisme, Orientasi Masa Depan dan Pendapatan Terhadap Perencanaan Dana Pensiun di Surabaya. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/4008
Menpan. (2016). Hingga 2020, Sebanyak 752.271 PNS akan Pensiun. Retrieved March 4, 2020, from www.menpan.go.id website: https://www.menpan.go.id/site/berita-terkini/hingga-2020-sebanyak-752-271-pns-akan-pensiun
Mischel, W., Shoda, Y., & Rodriguez, M. L. (1989). Delay of gratification in children. Science, 244(4907), 933938. https://doi.org/10.1126/science.2658056
Moorthy, M. K., & Kai, N. Z. (2012). A Study on the Retirement Planning Behaviour of Working Individuals in Malaysia. International Journal of Academic Research in Economics and Management Science, 1(2).
Mustikarahmawati, D. (2018). Pengaruh Orientasi Masa Depan, Money Attitude dan Self Control pada Perencanaan Dana Pensiun di Surabaya. Thesis STIE Perbanas, 114. Retrieved from http://eprints.perbanas.ac.id/id/eprint/4060
Padmajaya, D., & Juwita, R. (2016). Analisis Pengaruh Faktor-Faktor Literasi Keuangan terhadap Perencanaan Keuangan untuk Menghadapi Masa Pensiun Guru ( Studi Kasus SMK Negeri 1 Kota Palembang ). Thesis STIE Multi Data Palembang, 113. Retrieved from http://eprints.mdp.ac.id/2073/1/Jurnal-2013200047.pdf
PT.Taspen. (2018). Program Pensiun. Retrieved March 4, 2020, from www.taspen.co.id website: https://www.taspen.co.id/#/layanan/pensiun?_k=b2um1s
Putri, D. (2018). Pengaruh Literasi Keuangan, Sikap Pengelolaan Keuangan Keluarga dan Pengalaman Keuangan terhadap Perencanaan Pensiun Kelarga di Kabupaten Tuban. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/3587
Rahman, E. (2018). Pengaruh Orientasi Masa Depan Dan Sikap Keuangan Terhadap Perilaku Perencanaan Dana Pensiun Dengan Pengetahuan Keuangan Sebagai Variabel Moderasi. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/3546
Ricci, O., & Caratelli, M. (2017). Financial literacy, trust and retirement planning. Journal of Pension Economics and Finance, 16(1), 4364. https://doi.org/10.1017/S1474747215000177
Shafee, N. B. (2018). Future Retirement Planning Among Malacca Youth. Global Business and Management Research: An International Journal, 10(3), 372381.
Sufian, M. (2016). The Factors Influencing Retirement Planning Management (RPM) Among Sime Darby Research Employees¯: A Conceptual Framework. Journal of Business Innovation, 1(1), 114.
Sugihartatik, F. I. (2019). Hubungan orientasi masa depan, pengetahuan keuangan dan kecerdasan spiritual dengan perilaku perencanaan dana pensiun keluarga. Journal of Business & Banking, 7(1), 1730. https://doi.org/10.14414/jbb.v7i1.966
Wardani, A., & Silvy, M. (2018). Pengaruh Pengetahuan Keuangan dan Pendapatan Terhadap Perilaku Perencanaan Dana Pensiun Dengan Locus of Control Sebagai Variabel Mediasi. Accounting Analysis Journal, 4(672013167), 018.
Asokumar, A. (2018). Determinant of Employees Retirement Planning¯: A Review of Malaysian Retirement Plans. Global Business and Management Research: An International Journal, 10(3).
BKN. (2019). Peminat CPNS Naik 12%, BKN Pastikan Pelaksanaan Seleksi Akuntabel dan Transparan. Retrieved March 21, 2020, from www.bkn.go.id website: https://www.bkn.go.id/berita/peminat-cpns-naik-12-bkn-pastikan-pelaksanaan-seleksi-akuntabel-dan-transparan
BKN. (2019). Statistik PNS per Desember 2018: Tenaga Guru dan Kesehatan Menjadi Fokus Pemenuhan Kebutuhan ASN. Retrieved March 3, 2020, from www.bkn.go.id website: https://www.bkn.go.id/wp-content/uploads/2019/04/Statistik-PNS-per-Desember-2018-Tenaga-Guru-dan-Kesehatan-Menjadi-Fokus-Pemenuhan-Kebutuhan-ASN.pdf
BPS. (2014). Proyeksi Penduduk menurut Provinsi, 2010-2035. Retrieved March 4, 2020, from www.bps.go.id website: https://www.bps.go.id/statictable/2014/02/18/1274/proyeksi-penduduk-menurut-provinsi-2010---2035.html
BPS. (2017). Statistik Penduduk Lanjut Usia 2017. Retrieved March 4, 2020, from www.bps.go.id website: https://www.bps.go.id/publication/2018/04/13/7a130a22aa29cc8219c5d153/statistik-penduduk-lanjut-usia-2017.html
Chen, H., & P.Volpe, R. (1998). An Analysis of Personal Financial Literacy Among College Students. Zhongguo Jiguang/Chinese Journal of Lasers, 7(2), 107128. https://doi.org/10.3788/CJL201643.0811001
Chinen, K., & Endo, H. (2012). Effects of Attitude and Background on Personal Financial Ability: A Student Survey in the United States. International Journal of Management, 29(1), 33.
CNN Indonsia. (2018). Hanya 3,1 Persen Penduduk Produktif di RI yang Wirausaha. Retrieved March 21, 2020, from www.cnnindonesia.com website: https://www.cnnindonesia.com/ekonomi/20181018210657-92-339664/hanya-31-persen-penduduk-produktif-di-ri-yang-wirausaha
Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM dan SPSS 23 (8th ed.). Badan Penerbit Universitas Diponegoro.
Grace, D., Weaven, S., & Ross, M. (2010). Consumer retirement planning: An exploratory study of gender differences. Qualitative Market Research, 13(2), 174188. https://doi.org/10.1108/13522751011032601
Kim, K. T., Hanna, S. D., & Chen, S. C. (2014). Consideration of retirement income stages in planning for retirement. Journal of Personal Finance, 13(1), 52.
Kimiyagahlam, F., Safari, M., & Mansori, S. (2019). Influential Behavioral Factors on Retirement Planning Behavior: The Case of Malaysia. Journal of Financial Counseling and Planning, 30(2), 244261. https://doi.org/10.1891/1052-3073.30.2.244
Klapper, L., & Panos, G. A. (2011). Financial literacy and retirement planning: The Russian case. Journal of Pension Economics and Finance, 10(4), 599618. https://doi.org/10.1017/S1474747211000503
Kumar, S., Tomar, S., & Verma, D. (2019). Womens financial planning for retirement: Systematic literature review and future research agenda. International Journal of Bank Marketing, 37(1), 120141. https://doi.org/10.1108/IJBM-08-2017-0165
Kusumawanti, D. (2018). Pengaruh Materialisme, Orientasi Masa Depan dan Pendapatan Terhadap Perencanaan Dana Pensiun di Surabaya. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/4008
Menpan. (2016). Hingga 2020, Sebanyak 752.271 PNS akan Pensiun. Retrieved March 4, 2020, from www.menpan.go.id website: https://www.menpan.go.id/site/berita-terkini/hingga-2020-sebanyak-752-271-pns-akan-pensiun
Mischel, W., Shoda, Y., & Rodriguez, M. L. (1989). Delay of gratification in children. Science, 244(4907), 933938. https://doi.org/10.1126/science.2658056
Moorthy, M. K., & Kai, N. Z. (2012). A Study on the Retirement Planning Behaviour of Working Individuals in Malaysia. International Journal of Academic Research in Economics and Management Science, 1(2).
Mustikarahmawati, D. (2018). Pengaruh Orientasi Masa Depan, Money Attitude dan Self Control pada Perencanaan Dana Pensiun di Surabaya. Thesis STIE Perbanas, 114. Retrieved from http://eprints.perbanas.ac.id/id/eprint/4060
Padmajaya, D., & Juwita, R. (2016). Analisis Pengaruh Faktor-Faktor Literasi Keuangan terhadap Perencanaan Keuangan untuk Menghadapi Masa Pensiun Guru ( Studi Kasus SMK Negeri 1 Kota Palembang ). Thesis STIE Multi Data Palembang, 113. Retrieved from http://eprints.mdp.ac.id/2073/1/Jurnal-2013200047.pdf
PT.Taspen. (2018). Program Pensiun. Retrieved March 4, 2020, from www.taspen.co.id website: https://www.taspen.co.id/#/layanan/pensiun?_k=b2um1s
Putri, D. (2018). Pengaruh Literasi Keuangan, Sikap Pengelolaan Keuangan Keluarga dan Pengalaman Keuangan terhadap Perencanaan Pensiun Kelarga di Kabupaten Tuban. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/3587
Rahman, E. (2018). Pengaruh Orientasi Masa Depan Dan Sikap Keuangan Terhadap Perilaku Perencanaan Dana Pensiun Dengan Pengetahuan Keuangan Sebagai Variabel Moderasi. Thesis STIE Perbanas, 113. Retrieved from http://eprints.perbanas.ac.id/id/eprint/3546
Ricci, O., & Caratelli, M. (2017). Financial literacy, trust and retirement planning. Journal of Pension Economics and Finance, 16(1), 4364. https://doi.org/10.1017/S1474747215000177
Shafee, N. B. (2018). Future Retirement Planning Among Malacca Youth. Global Business and Management Research: An International Journal, 10(3), 372381.
Sufian, M. (2016). The Factors Influencing Retirement Planning Management (RPM) Among Sime Darby Research Employees¯: A Conceptual Framework. Journal of Business Innovation, 1(1), 114.
Sugihartatik, F. I. (2019). Hubungan orientasi masa depan, pengetahuan keuangan dan kecerdasan spiritual dengan perilaku perencanaan dana pensiun keluarga. Journal of Business & Banking, 7(1), 1730. https://doi.org/10.14414/jbb.v7i1.966
Wardani, A., & Silvy, M. (2018). Pengaruh Pengetahuan Keuangan dan Pendapatan Terhadap Perilaku Perencanaan Dana Pensiun Dengan Locus of Control Sebagai Variabel Mediasi. Accounting Analysis Journal, 4(672013167), 018.
Downloads
Additional Files
Published
2021-03-31
How to Cite
Sandra, K. D., & Kautsar, A. (2021). Analisis Pengaruh Financial Literacy, Future Orientation, Usia dan Gender terhadap Perencanaan Dana Pensiun PNS di Kota Surabaya. Jurnal Ilmu Manajemen, 9(1), 217–227. https://doi.org/10.26740/jim.v9n1.p217-227
Issue
Section
Artikel
License
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons:Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Abstract views: 1216
,
PDF Downloads: 1165
, PDF Downloads: 0
