PENGARUH LITERASI KEUANGAN DAN TOLERANSI RISIKO TERHADAP PERENCANAAN PENSIUN (STUDI PADA PEGAWAI NEGERI SIPIL DI KOTA CIAMIS)
Kartini dan Jerry Febrian Ramadhan
Fakultas Ekonomi Universitas Islam Indonesia
Abstract
Abstract Entering the retirement period is something that will experienced by each individual, especially those who pursue a career in the work. Readiness of a person when entering into retirement needs to be well prepared, especially economic or financially. This is because, when it enters retirement period, person income will be decreased. In the other side, the cost to life necessities will still be there, even higher because of the increase in the price in each year. When an individual will plan for retirement, the individual must have a good financial knowledge (financial literacy) to make the financial decisions is good. In addition to financial literacy, there are other factors affecting retirement planning this is risk tolerance, risk tolerance can influence the decision to be taken to plan retirement. This research is a quantitative research with the method of collecting data using questionnaires that shared to civil servants (PNS) in Ciamis city. Samples taken as many as 100 respondents. This research assisted with SPSS 21.0 statistical tools. Tests on this research used validity and reliability tests. Analysis method use classic assumption test, multiple linear regression analyses and hypothesis tests. The results showed that financial literacy has significant positive effect on retirement planning and risk tolerance factors have significant negative effect on retirement planning.
Keywords: Keywords : Financial Literacy, Risk Tolerance, Retirement Planning
Topic: Manajemen Keuangan