Pengaruh Financial Literacy dan Bias Perilaku Terhadap Perencanaan Pensiun dengan Personal Financial Management Sebagai Variabel Mediasi
DOI:
https://doi.org/10.38035/jafm.v6i4.2439Keywords:
Perencanaan Pensiun, Financial Literacy, Personal Financial ManagementAbstract
Penelitian ini bertujuan untuk menguji pengaruh financial literacy (literasi keuangan) dan bias perilaku (self-attribution dan representativeness) terhadap perencanaan pensiun generasi milenial di Kota Padang, dengan menggunakan personal financial management (manajemen keuangan pribadi) sebagai variabel mediasi. Menggunakan pendekatan kuantitatif kausal-asosiatif dengan metode survei, penelitian ini menemukan bahwa literasi keuangan tidak memiliki pengaruh langsung yang signifikan terhadap perencanaan pensiun, sementara bias perilaku memiliki pengaruh yang kuat. Personal financial management terbukti berperan penting sebagai variabel mediasi yang meredam dampak negatif dari bias perilaku dan meningkatkan kesiapan pensiun. Hasil penelitian ini diharapkan dapat memberikan rekomendasi bagi generasi milenial, lembaga keuangan, dan pembuat kebijakan untuk meningkatkan kesadaran dan praktik perencanaan pensiun.
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