Literasi Keuangan, Pengelolaan Keuangan dan Sikap Menabung Pengaruhnya Terhadap Perencanaan Dana Pensiun Melalui Variabel Moderasi Tingkat Pendidikan
DOI:
https://doi.org/10.30651/blc.v19i2.11175Keywords:
Financial Literature, Financial Management, Save Attitude, Fund Planning, Level of EducationAbstract
ABSTRACTÂ
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This study aims to determine the Effect of Financial Literacy, Financial Management, and Saving Attitudes on Pension Fund Planning with Education Level Variables as Moderating Variables, with the type of data and data collection this research is a research that uses primary data and data analysis techniques using SEM on WarpPLS there are 100 respondents in accordance with this study. Based on the results of the study, Financial Literacy has a significant positive effect on pension plan planning, Financial Management does not have a significant positive effect on pension plan planning, Saving Attitudes has a significant positive effect on pension plan planning, and Education level does not moderate the effect of financial literacy on retirement planning.
Keywords                   : Financial Literature; Financial Management; Save Attitude; Fund Planning; Level of Education
Correspondence to       : abdul.kohar@bpjs-kesehatan.go.id
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ABSTRAK (Bahasa Indonesia)
Penelitian ini bertujuan untuk mengetahui Pengaruh Literasi Keuangan, Pengelolaan Keuangan, dan Sikap Menabung terhadap Perencanaan Dana Pensiun dengan Variabel Tingkat Pendidikan sebagai Variabel Moderating, dengan jenis data dan pengumpulan data penelitian ini merupakan penelitian yang menggunakan data primer dan teknik analisis data menggunakan SEM pada WarpPLS terdapat 100 responden yang sesuai dengan penelitian ini. Berdasarkan hasil penelitian, Literasi Keuangan berpengaruh positif signifikan terhadap perencanaan program pensiun, Manajemen Keuangan berpengaruh positif tidak signifikan terhadap perencanaan program pensiun, Saving Attitudes berpengaruh positif signifikan terhadap perencanaan program pensiun, dan Tingkat Pendidikan tidak tidak memoderasi pengaruh literasi keuangan terhadap perencanaan pensiun.
Kata Kunci                 : Literasi Keuangan; Pengelolaan Keuangan; Simpanan Sikap; Perencanaan Dana; Tingkat Pendidikan
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