Perencanaan Pensiun Pekerja Swasta: Pentingnya Financial Literacy dan Saving Behavior

Nicholas Adi Santoso, Dewi Pertiwi, Dewi Astuti


This study aims to see the influence of financial literacy and saving behavior towards retirement planning of private-sector workers in Blitar. This study uses a quantitative method using a questionnaire method. The sample of the data studied are private-sector employee who have worked at least 1-2 years in several company totaling 100 people. Data obtained by using a questionnaire to the respondents. The data analysis technique used is SEM analysis with Partial Least Square (PLS). The results of the analysis show that financial literacy has a significant effect on retirement planning for private-sector workers in Blitar and saving behavior has a significant effect on retirement planning for private-sector workers in Blitar district.


Retirement Planning ; Financial Literacy ; Saving Behavior ; Personal Finance

Full Text:



Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior an Human Decision Processes, 179-211.

Alfest, L. (2007). In Personal Financial Planning. New York: McGraw-Hill, Inc.

Ariffin, M. R., Sulong, Z., & Abdullah, A. (2017). Students’ Perception Towards Financial Literacy and Saving Behaviour. World Applied Sciences Journal 35 (10), 2194-2201.

BPS. (2022). Badan Pusat Statistik. Retrieved from,sampai%2064%20tahun)%20dikalikan%20100.

Chen, H., & Volpe, R. (1998). An Analysis of Personal Financial Literacy among College Student. FINANCIAL SERVICES REVIEW, 7(2), 107-128.

Disney, R., & Gathergood, J. (2013). Financial literacy and consumer credit portfolios. Journ al of Banking & Finance, 2246-2254.

Gale, W., & Levine, R. (2010). Financial Literacy: What Works? How Could It Be More Effective?

Jogiyanto. (2007). Sistem Informasi Keperilakuan. Yogyakarta: Andi Ofsett.

Joo, S.-H., & Grable, J. E. (2005). Employee Education and the Likelihood of Having a Retirement Savings Program. Financial Counseling and Planning, 37-49.

Kiyosaki, R. (2008). Rich Dad's Increase Your Financial IQ: Get Smarter with Your Money. New York: Business Plus.

Kotlikoff, L. J. (1993). Generational Accounting: Knowing Who Pays, and When, for What We Spend . New York: The Free Press.

Lusardi, A., & Mitchell, O. S. (2007, January). Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education. Business Economics, pp. 35-44.

Lusardi, A., & Tufano, P. (2009). Debt Literacy, Financial Experiences, and Overindebtedness. NBER Working Paper Series, 1-44.

Rooij, M. v., Lusardi , A., & Alessie, R. (2011). Financial Literacy and Retirement Planning in the Netherlands. DNB Working Paper.

Samuelson, P., & William, D. (1996). Makro Ekonomi Edisi Keempatbelas.Cetakan Ketiga. Jakarta: Erlangga.

Sirine, H., & Utami, D. S. (2016). Faktor-Faktor yang Mempengaruhi Perilaku Menabung di Kalangan Mahasiswa. Jurnal Ekonomi dan Bisnis, 27-52.

Topa, G., Lunceford, G., & Boyatzis, R. E. (2018). Financial Planning for Retirement: A Psychosocial Perspective. Frontiers in Psychology , 1-8.

Tri, A., & Dewi, R. (2014). Pengaruh financial literacy dari kelompok teman sebaya terhadap perilaku menabung siswa kelas XI IPS SMA Negeri 2 Surabaya. Jurnal Pendidikan Ekonomi.



  • There are currently no refbacks.

Flag Counter


This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.