Pengaruh Kontrol, Sikap Keuangan, dan Strategi Pensiun Terhadap Rencana Pensiun Dimoderasi Oleh Jenis Kelamin Pada Kalangan Dewasa Muda

Gina Ramadhanty; Mochamad Abdul Rochim; Pia Astuti; Farah Margaretha Leon

doi:10.24176/bmaj.v5i1.7184

Pengaruh Kontrol, Sikap Keuangan, dan Strategi Pensiun Terhadap Rencana Pensiun Dimoderasi Oleh Jenis Kelamin Pada Kalangan Dewasa Muda

Gina Ramadhanty
Mochamad Abdul Rochim
Pia Astuti
Farah Margaretha Leon

Abstract

Retirement planning is a preparatory process carried out by a person when that person leaves the workforce and will no longer receive work-related income. Someone who has a retirement plan will determine the financial direction in the short or long term in order to achieve prosperity in old age. This study aims to determine whether the influence of behavioral control, financial attitudes and behavior of a retirement strategy moderated by gender has an effect on retirement plans among adults and young people. The number of samples in the study obtained as many as 118 respondents who live in Jabodetabek and outside Jabodetabek. The data analysis method used Structural Equation Modeling (SEM) analysis tools. The findings of this study indicate that financial attitudes, retirement strategy behaviors, gender-mediated financial attitudes and gender-mediated retirement strategy behaviors have a significant effect on retirement plans. With this research, it is hoped that managers and the public can be more aware of preparing retirement plans early on.

Rencana Pensiun adalah proses persiapan yang dilakukan oleh seseorang saat seseorang itu keluar dari angkatan kerja dan tidak akan menerima penghasilan terkait pekerjaan lagi. Seseorang yang memiliki rencana pensiun akan menentukan arah finansial dalam jangka pendek atau jangka panjang guna mencapai kesejahtaraan masa tua nanti. Penelitian ini bertujuan untuk mengetahui apakah pengaruh kontrol perilaku, sikap keuangan dan perilaku strategi pensiun yang dimoderasi oleh jenis kelamin berpengaruh terhadap rencana pensiun di kalangan dewasa dan muda. Jumlah sampel dalam penelitian diperoleh sebanyak 118 responden yang berdomisili di JABODETABEK dan luar JABODETABEK. Metode analisis data menggunakan alat analisis Structural Equation Modelling (SEM). Temuan dari penelitian ini menunjukkan sikap keuangan, perilaku startegi pensiun, sikap keuangan yang dimediasi jenis kelamin dan perilaku strategi pensiun yang dimediasi jenis kelamin berpengaruh signifikan terhadap rencana pensiun. Dengan adanya penelitian ini, diharapkan manajer dan masyarakat dapat lebih sadar untuk mempersiapkan rencana pensiun sejak dini.

Keywords

literasi keuangan, perencanaan pensiun, perilaku kontrol, perilaku rencana pensiun, sikap keuangan

Full Text:

PDF (Bahasa Indonesia)

References

Abina, A. (2019). Capital Market and Performance of Nigeria Economy. International Journal of Innovative Finance and Economics Research, 7(2)(April), 51–66. https://www.researchgate.net/publication/332627354_Capital_market_and_performance_of_Nigeria_economy

Andarsari, P. R., & Ningtyas, M. N. (2019). The Role of Financial Literacy on Financial Behavior. Jabe (Journal of Accounting and Business Education), 4(1), 24. https://doi.org/10.26675/jabe.v4i1.8524

Baskoro, R. A., Aulia, R., & Rahmah, N. A. (2019). The Effect of Financial Literacy and Financial Inclusion on Retirement Planning. Asia Pacific Management and Business Application, 008(01), 11–24. https://doi.org/10.21776/ub.apmba.2019.008.01.2

Brown, M., Henchoz, C., & Spycher, T. (2018). Culture and Financial Literacy: Evidence from a Within-Country Language Border. Journal of Economic Behavior and Organization, 150(December), 62–85. https://doi.org/10.1016/j.jebo.2018.03.011

Dewi, V. I., Febrian, E., Effendi, N., Anwar, M., & Nidar, S. R., (2020). Financial Literacy and Its Variables: The Evidence From Indonesia. Journal of Scientific Paper Economic & Sociology. 13(3), 133–155. https://doi.org/10.14254/2071-789X.2020/13-3/9

Fornero, E., & Monticone, C. (2011). Financial Literacy and Pensiun Plan Participation in Italy. Journal of Pensiun Economics and Finance, 10(4), 547–564. https://doi.org/10.1017/S1474747211000473

García Mata, O. (2021). The Effect of Financial Literacy and Gender on Retirement Planning Among Young Adults. International Journal of Bank Marketing, 39(7), 1068–1090. https://doi.org/10.1108/IJBM-10-2020-0518

Ghozali, Imam. 2018. Aplikasi Analisis Multivariate dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro: Semarang

Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E., Black, W. C., & Anderson, R. E. (2018). Multivariate Data Analysis.

Hasibuan, B. K., Lubis, Y. M., & HR, W. A. (2018). Financial Literacy and Financial Behavior as a Measure of Financial Satisfaction. Economics, Business and Management Research. January. https://doi.org/10.2991/ebic-17.2018.79

Hasler, A., & Lusardi, A. (2017). The Gender Gap in Financial Literacy: A Global Perspective. Global Financial Literacy Excellence Centre, 91(5), 287. www.gflec.org

Hasnol, P., Pg, A., Salleh, H., & Baha, R. (2019). Retirement Concerns and Financial Literacy in Brunei. International Journal of Sociology and Social Policy. https://doi.org/10.1108/IJSSP-09-2019-0193

Herdjiono, I., & Damanik, L. A. (2016). Pengaruh Financial Attitude,Financial Knowledge, Parental Income Terhadap Financial Management Behavior. Jurnal Manajemen Teori Dan Terapan| Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077

Herrador-Alcaide, T. C., Hernández-Solís, M., & Topa, G. (2021). A Model for Personal Financial Planning Towards Retirement. Journal of Business Economics and Management, 22(2), 482–502. https://doi.org/10.3846/jbem.2020.13978

Iskandarsyah, A., & Setyowibowo, H. (2020). Sikap terhadap Pensiun, Perencanaan Pensiun, dan Kualitas Hidup pada Karyawan dalam Masa Persiapan Pensiun. Journal of Psychological Science and Profession, 4(1), 23. https://doi.org/10.24198/jpsp.v4i1.25106

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.

Kumar, S., Tomar, S., & Verma, D. (2019). Women’s Financial Planning for Retirement: Systematic Literature Review and Future Research Agenda. International Journal of Bank Marketing, 37(1), 120–141. https://doi.org/10.1108/IJBM-08-2017-0165

OECD. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. OECD/INFE 2020 International Survey of Adult Financial Literacy, 78. www.oecd.org/financial/education/launchoftheoecdinfeglobalfinancialliteracysurveyreport.html

Purnama, E. D., Frederica, D., Adirinekso, G., & Iskandar, D. (2021). Perencanaan Keuangan Dana Pensiun Melalui Metode Time Value of Money dengan Menggunakan Kalkulator Finansial Artic. 1(1), 47–62. http://dx.doi.org/10.25105/ja.v1i1.8877

Sugiyono. (2018). Metode Penelitian Kombinasi (Mixed Methods). Bandung: CV Alfabeta.

Rameli, R. S., & Marimuthu, M. (2018). A Conceptual Review on the Effect of Attitudes towards Retirement on Saving Intentions and Retirement Planning Behavior. International Conference on Leadership and Management. Vol.56. p.56 https://doi.org/10.1051/shsconf/20185602005

Sabri, M. F., Syahrul Reza, T., & Wijekoon, R. (2020). Financial Management, Savings Behavior, Investment Behavior and Financial Well-Being of Working Women in the Public Sector. In Majalah Ilmiah Bijak (Vol. 17, Issue 2). http://ojs.stiami.ac.id

Safari, K., Njoka, C., & Munkwa, M. G. (2021). Financial Literacy and Personal Retirement Planning: A Socioeconomic Approach. Journal of Business and Socio-Economic Development, 1(2), 121–134. https://doi.org/10.1108/jbsed-04-2021-0052

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. https://doi.org/10.26740/jim.v9n1.p217-227

Sarpong-kumankoma, E. (2020). Financial literacy and retirement planning in Ghana. Review of Behavioral Finance. https://doi.org/10.1108/RBF-05-2020-0110

Tahir, M. S., Ahmed, A. D., & Richards, D. W. (2021). Financial Literacy and Financial Well-Being of Australian Consumers: A Moderated Mediation Model of Impulsivity and Financial Capability. International Journal of Bank Marketing, 39(7), 1377–1394. https://doi.org/10.1108/IJBM-09-2020-0490

Tinuke, M. F. (2015). The Gender Factor in Retirement Planning. International Journal of Management, 3(1), 1–8. http://www.ipasj.org/IIJM/IIJM.htm

www.bps.go.id

DOI: https://doi.org/10.24176/bmaj.v5i1.7184