Cahyaningtyas, Reza Ayu Amelia (2020) Pengaruh Fakto Demografi, Faktor Lingkungan Sosial, dan Faktor Psikologis Terhadap Perencanaan Keuangan Hari Tua. Other thesis, Institut Teknologi Sepuluh Nopember.
Preview |
Text
09111640000037-Undergraduate_Thesis.pdf Download (5MB) | Preview |
Abstract
Fenomena peningkatan usia harapan hidup penduduk Indonesia membuat populasi lansia juga semakin meningkat.Fenomena ini akan berdampak positif jika lansia Indonesia berada dalam keadaan mandiri, sehat, dan produktif dan telah mempersiapkan masa tuanya sebaik mungkin. Namun nyatanya, rasio ketergantungan usia non produktif dan tingkat partisipasi angkatan kerja lansia selalu mengalami peningkatan, sehingga memiliki perencanaan keuangan hari tua di usia produktif merupakan hal yang penting. Penelitian ini bertujuan mengidentifikasi faktor – faktor yang mempengaruhi perencanaan keuangan hari tua pada angkatan kerja dari aspek 3 faktor yaitu demografi seperti gender, usia, pendidikan, pendapatan, dan lama bekerja. Faktor lingkungan sosial, dan Psikologis seperti toleransi risiko keuangan, perspektif waktu masa depan, dan literasi keuangan yang diukur menggunakan 3 dimensi yaitu pengetahuan keuangan, perilaku keuangan, dan sikap keuangan. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data primer yang didapatkan dari penyebaran kuesioner secara online dan offline.Penelitian ini menggunakan 434 data angkatan kerja di Indonesia.Uji hipotesis menggunakan analisis regresi linear berganda menunjukkan bahwa faktor demografi dapa variabel usia, dan lama bekerja, faktor lingkungan sosial,faktor psikologis dari variabel toleransi risiko keuangan,perspektif waktu masa depan, serta literasi keuangan dimensi pengetahuan keuangan, dan perilaku keuangan memiliki pengaruh terhadap perencanaan keuangan hari tua.Sementara pada uji hipotesis menggunakan analisis regresi logistik menunjukkan bahwa peluang seseorang melakukan perencanaan keuangan hari tuadipengaruhi oleh faktor demografi dari variabel pendapatan, lama bekerja, faktor psikologis dari variabel literasi keuangan dimensi pengetahuan keuangan, dan perilaku keuangan. Hasil dari penelitian ini mengindikasikan bahwa faktor – faktor dari demografi, Lingkungan sosial, dan psikologis sangat berperan penting dalam mempengaruhi seseorang untuk melakukan perencanaan keuangan hari tua. Angkatan kerja diharapkan menyadari pentingnya faktor – faktor ini pada pembentukan perilaku keuangan pribadi khususnya dalam melakukan perencanaan keuangan hari tua yang harus dilakukan sedini mungkin.
=================================================================================================================================
The increase of life expectancy in Indonesia can also increase the aging population. This phenomena could give a positive impact if the aging population were independence, healthy, productive and have prepared their retirement planning well. But in fact, the dependency ratio of nonproductive people are still high and many of them are still working after they retire. So, doing retirement planning at productive age is important. This study aims to identify the factors that influence retirement planning of the working generation from 3 aspect. There are demographic such as gender, age, education, income, and length of work. Social environment factor, and psychological factor such as financial risk tolerance, future time perspective, and financial literacy which is measured by 3 dimension there are financial knowledge, financial behavior, and financial attitude. This research is quantitative study using primary data obtained from online and offline questionnaires. This study uses 434 sample of working generation in Indonesia. There are two measurement of the dependent variable that are retirement planning and the opportunity for someone to do retirement planning as evidenced by investment ownership for their retirement planning. Multiple linear regression analysis shows that age, length of work, social environmental factor, financial risk tolerance, future time perspective, and financial literacy dimensions of financial knowledge and financial behavior have a positive influence on retirement planning. While logistic regression analysis shows that the probability of person doing retirement planning are influenced by income, length of work, and financial literacy dimensions of financial knowledge, and financial behavior.The results of this study indicate that factors from demographics, social environment, and psychological factorcan determine someone to do retirement planning. The working generations have to realize the importance of these factors in the formation of personal financial behavior, especially to do retirement planning.
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | RSMB 658.401 2 Cah p-1 |
| Uncontrolled Keywords: | Work generation, retirement planning, probability of doing retirement planning, demographic factor, social, environmental factor, psychological factor |
| Subjects: | H Social Sciences > HG Finance |
| Divisions: | Faculty of Creative Design and Digital Business (CREABIZ) > Business Management > 61205-(S1) Undergraduate Thesis |
| Depositing User: | Reza Ayu Amelia Cahyaningtyas |
| Date Deposited: | 22 Mar 2024 07:11 |
| Last Modified: | 22 Mar 2024 07:11 |
| URI: | http://repository.its.ac.id/id/eprint/73488 |
Actions (login required)
 |
View Item |