Peran Financial Self-efficacy terhadap Perencanaan Keuangan Pasca Pensiun dengan Retirement Goals Clarity sebagai Variabel Mediator

BAYU KUSUMA WARDANI, Wahyu Jati Anggoro, S.Psi., M.A

2023 | Skripsi | PSIKOLOGI

Indonesia diperkirakan akan mengalami peningkatan lansia hingga 40 juta jiwa pada 2035. Hal ini tidak diikuti oleh partisipasi tabungan pensiun yang memadai. Perencanaan keuangan pensiun membutuhkan kemampuan menyusun retirement goals serta kepemilikan efikasi diri. Penelitian ini bertujuan untuk mengetahui peran retirement goals dalam memediasi hubungan efikasi diri terhadap persiapan keuangan pasca pensiun. Metode pengambilan data adalah kuantitatif dengan survei secara daring. Tiga skala yang digunakan untuk mengukur masing-masing variabel, yakni: general retirement goals clarity scale, financial self-efficacy scale dan financial preparedness of retirement scale. Partisipan penelitian merupakan 199 individu (M;35,04, SD; 8,91) berusia 25-55 tahun yang telah memiliki penghasilan pribadi. Data dianalisis menggunakan regresi mediasi. Hasil penelitian menunjukkan retirement goals dapat memediasi peran efikasi diri terhadap perencanaan keuangan pasca pensiun secara parsial.

Kata kunci: Perencanaan Keuangan Pensiun, Efikasi diri, Retirement goals.

Indonesia is projected to experience an increase in the elderly population by up to 40 million people in 2035. However, this is not accompanied by adequate participation in pension savings. Retirement financial planning requires the ability to set retirement goals and possess self-efficacy. This study aims to determine the role of retirement goals in mediating the relationship between self-efficacy and financial preparedness for retirement. The data was collected using a quantitative method through an online survey. Three scales were used to measure each variable: general retirement goals clarity scale, financial self-efficacy scale, and financial preparedness of retirement scale. The study participants were 199 individuals (M; 35.04, SD; 8.91) aged 25-55 years who had personal income. The data was analyzed using mediation regression. The research findings indicate that retirement goals partially mediate the relationship between self-efficacy and financial preparedness for retirement.

Keywords: Retirement Financial Planning, Self-efficacy, Retirement Goals.

Kata Kunci : Perencanaan Keuangan Pensiun, Efikasi diri, Retirement goals