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THE INFLUENCE OF INCOME LEVEL, FAMILY EDUCATION, FINANCIAL LITERATURE ON RETIREMENT PLANNING MEDIATED BY SAVING BEHAVIOR

Journal of Business Studies and Management Review · Vol. 5 No. 1 (2021) · hlm. 74–78

DOI
10.22437/jbsmr.v5i1.15237
ISSN
2597-6265, 2597-369X
Terbit
2021-12-31
Penerbit
Management Department, Faculty of Economics and Business, Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

The pension program has 3 functions, namely the insurance function, the savings function and the pension function. The pension program has an insurance function because it can help provide guarantees to participants in overcoming the risk of losing income when they are in retirement age and or caused by death. The pension program has a savings function, because when you are in the program you are required to pay contributions. The pension program has a pension function, because it can provide benefits that will be received by participants when they retire which can be received periodically throughout life and so on. Taking into account these conditions, this study aims to analyze how much influence the level of income, family education, financial literacy is mediated by saving behavior on retirement planning. This study uses a quantitative method, namely by using a questionnaire, which contributes to this research as many as 195 respondents from private employees of Bank BPR UMKM Jawa Timur. This research uses SPSS analysis tool to measure Validity and Reliability and PLS-SEM. The results of this study reveal that income levels affect retirement planning, family education affects retirement planning, saving behavior affects retirement planning, financial literacy affects retirement planning. Family education and financial literacy affect retirement planning mediated by saving behavior

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  • Universitas Esa Unggul
  • Universitas Syiah Kuala
  • Universitas Islam Negeri Sumatera Utara
  • Diponegoro University
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Apoina KartiniAfiliasi tidak diketahui4
Budiyono BudiyonoAfiliasi tidak diketahui3
Samingan SaminganAfiliasi tidak diketahui2
Martha Irene KartasuryaAfiliasi tidak diketahui2
P.W. NoviantiAfiliasi tidak diketahui2
Ariana ArianaAfiliasi tidak diketahui1
Fice HandayaniAfiliasi tidak diketahui1
Fitri Alaida AlfianaAfiliasi tidak diketahui1
Andi Ulfa Tenri PadaUniversitas Syiah Kuala1
Iswadi IswadiUniversitas Esa Unggul1
Tara Raudhatul JannahAfiliasi tidak diketahui1
Syaukani SyaukaniUniversitas Islam Negeri Sumatera Utara1
Alfizar AlfizarAfiliasi tidak diketahui1
Zulia AnandaAfiliasi tidak diketahui1
Sirtina SirtinaAfiliasi tidak diketahui1
Oviana LisaAfiliasi tidak diketahui1
Abd HadiAfiliasi tidak diketahui1
Mateus Sakundarno AdiAfiliasi tidak diketahui1
Dwi SutiningsihAfiliasi tidak diketahui1
Akmaliya HayuningsihAfiliasi tidak diketahui1
Cut SorayaAfiliasi tidak diketahui1
Putri ShabiraAfiliasi tidak diketahui1
Sulistiawati SulistiawatiAfiliasi tidak diketahui1
Esty YunitasariAfiliasi tidak diketahui1
Tri Retnaningsih SoeprobowatiDiponegoro University1
Perigrinus Hermin SebongAfiliasi tidak diketahui1
Markus KabanAfiliasi tidak diketahui1
Purwanto Adi PirenoAfiliasi tidak diketahui1
Alberta Widya KristantiAfiliasi tidak diketahui1
Bagoes WidjanarkoAfiliasi tidak diketahui1
Muhammad Hussein GasemAfiliasi tidak diketahui1
Munaya FauziahAfiliasi tidak diketahui1
Malik saepudinAfiliasi tidak diketahui1
Soeharyo HadisaputroAfiliasi tidak diketahui1
Ari SuwondoAfiliasi tidak diketahui1
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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/jbsmr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">THE INFLUENCE OF INCOME LEVEL, FAMILY EDUCATION, FINANCIAL LITERATURE ON RETIREMENT PLANNING MEDIATED BY SAVING BEHAVIOR</dc:title>
	<dc:creator xml:lang="en">Widyaningtya, Ratna Catur  </dc:creator>
	<dc:creator xml:lang="en">Suhartono, Suhartono</dc:creator>
	<dc:subject xml:lang="en">Retirement Planning, Financial Literacy, Saving Behavior, Family Education, Income Level</dc:subject>
	<dc:description xml:lang="en">The pension program has 3 functions, namely the insurance function, the savings function and the pension function. The pension program has an insurance function because it can help provide guarantees to participants in overcoming the risk of losing income when they are in retirement age and or caused by death. The pension program has a savings function, because when you are in the program you are required to pay contributions. The pension program has a pension function, because it can provide benefits that will be received by participants when they retire which can be received periodically throughout life and so on. Taking into account these conditions, this study aims to analyze how much influence the level of income, family education, financial literacy is mediated by saving behavior on retirement planning. This study uses a quantitative method, namely by using a questionnaire, which contributes to this research as many as 195 respondents from private employees of Bank BPR UMKM Jawa Timur. This research uses SPSS analysis tool to measure Validity and Reliability and PLS-SEM. The results of this study reveal that income levels affect retirement planning, family education affects retirement planning, saving behavior affects retirement planning, financial literacy affects retirement planning. Family education and financial literacy affect retirement planning mediated by saving behavior</dc:description>
	<dc:publisher xml:lang="en">Management Department, Faculty of Economics and Business, Universitas Jambi</dc:publisher>
	<dc:date>2021-12-31</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/jbsmr/article/view/15237</dc:identifier>
	<dc:identifier>10.22437/jbsmr.v5i1.15237</dc:identifier>
	<dc:source xml:lang="en">Journal of Business Studies and Management Review; Vol. 5 No. 1 (2021): JBSMR, Vol. 5 No.1, December 2021; 74-78</dc:source>
	<dc:source>2597-6265</dc:source>
	<dc:source>2597-369X</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/jbsmr/article/view/15237/12743</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2021 RATNA CATUR WIDYANINGTYAS RATNA CATUR WIDYANINGTYAS</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
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