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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) · pp. 74–78

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

Abstract

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

Keywords

Collaboration network of the authors

40 authors · 91 co-authorship links · 1 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Esa Unggul
  • Universitas Syiah Kuala
  • Universitas Islam Negeri Sumatera Utara
  • Diponegoro University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Apoina KartiniAffiliation unknown4
Budiyono BudiyonoAffiliation unknown3
Samingan SaminganAffiliation unknown2
Martha Irene KartasuryaAffiliation unknown2
P.W. NoviantiAffiliation unknown2
Ariana ArianaAffiliation unknown1
Fice HandayaniAffiliation unknown1
Fitri Alaida AlfianaAffiliation unknown1
Andi Ulfa Tenri PadaUniversitas Syiah Kuala1
Iswadi IswadiUniversitas Esa Unggul1
Tara Raudhatul JannahAffiliation unknown1
Syaukani SyaukaniUniversitas Islam Negeri Sumatera Utara1
Alfizar AlfizarAffiliation unknown1
Zulia AnandaAffiliation unknown1
Sirtina SirtinaAffiliation unknown1
Oviana LisaAffiliation unknown1
Abd HadiAffiliation unknown1
Mateus Sakundarno AdiAffiliation unknown1
Dwi SutiningsihAffiliation unknown1
Akmaliya HayuningsihAffiliation unknown1
Cut SorayaAffiliation unknown1
Putri ShabiraAffiliation unknown1
Sulistiawati SulistiawatiAffiliation unknown1
Esty YunitasariAffiliation unknown1
Tri Retnaningsih SoeprobowatiDiponegoro University1
Perigrinus Hermin SebongAffiliation unknown1
Markus KabanAffiliation unknown1
Purwanto Adi PirenoAffiliation unknown1
Alberta Widya KristantiAffiliation unknown1
Bagoes WidjanarkoAffiliation unknown1
Muhammad Hussein GasemAffiliation unknown1
Munaya FauziahAffiliation unknown1
Malik saepudinAffiliation unknown1
Soeharyo HadisaputroAffiliation unknown1
Ari SuwondoAffiliation unknown1
Sri FatmawatiAffiliation unknown1
Rahmat RudiantoAffiliation unknown1
Saiful AzizAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/jbsmr/oai, first harvested 6 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>
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	<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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