Pengaruh Financial Literacy, Future Orientation, Financial Attitude, dan Financial Awareness Terhadap Perencanaan Pensiun Generasi Sandwich Di Jawa Timur
DOI:
https://doi.org/10.26740/jim.v13n4.p879-890Kata Kunci:
financial attitude; financial awareness; financial literacy; future orientation; retirement planningAbstrak
Penelitian ini mengkaji pengaruh literasi keuangan, orientasi masa depan, sikap keuangan, dan kesadaran keuangan terhadap perencanaan pensiun pada generasi sandwich di Jawa Timur. Generasi sandwich, individu yang bertanggung jawab secara finansial untuk mendukung orang tua yang sudah lanjut usia dan anak-anak, menghadapi tantangan unik yang dapat memengaruhi kemampuan mereka untuk merencanakan pensiun. Sebanyak 165 responden berpartisipasi dalam penelitian ini, dan data dianalisis menggunakan Structural Equation Modeling dengan Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh negatif terhadap perencanaan pensiun, sementara orientasi masa depan, sikap keuangan, dan kesadaran keuangan memiliki pengaruh positif terhadap perilaku perencanaan pensiun. Temuan ini menekankan perlunya program edukasi keuangan yang ditargetkan untuk meningkatkan literasi keuangan, sikap, dan kesadaran, sehingga dapat memperbaiki perencanaan pensiun di kalangan generasi sandwich di Jawa Timur. Penelitian ini memberikan rekomendasi untuk mengatasi keterbatasan finansial yang dihadapi oleh kelompok ini guna memastikan hasil pensiun yang lebih aman.
Kata Kunci: Literasi Keuangan, Orientasi Masa Depan, Sikap Keuangan, Kesadaran Keuangan, Perencanaan Pensiun.
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