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Pengaruh Financial Literacy dan Karakteristik Individu terhadap Retirement Budget melalui Financial Risk Tolerance

  • Faizah Maya Husna
    Magister Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Andalas

  • Fajri Adrianto
    Fakultas Ekonomi dan Bisnis, Universitas Andalas

  • Rida Rahim
    Fakultas Ekonomi dan Bisnis, Universitas Andalas


DOI: https://doi.org/10.37034/infeb.v5i1.216
Keywords: Financial Literacy, Individual Characteristic, Retirement Budget, Financial Risk, Tolerance, State Civil Apparatus

Abstract

This study aims to prove the effect of financial literacy, individual characteristics, financial risk tolerance on the retirement budget of the State Civil Apparatus in the Provincial Government of West Sumatra. In addition, this study aims to prove financial risk tolerance as a moderator of the relationship between financial literacy and retirement budget and moderation of the relationship between individual characteristics and retirement budget in the State Civil Apparatus in the Provincial Government of West Sumatra. Data collection was carried out by distributing questionnaires directly or using a Google form. Based on the results of hypothesis testing, it was found that financial literacy, individual characteristics, and financial risk tolerance had a positive and significant effect on the retirement budget, while individual characteristics as measured by gender and number of dependents did not have a significant effect on the retirement budget. Financial risk tolerance weakens the relationship between financial literacy and retirement budget. financial risk tolerance does not moderate the relationship between individual characteristics and the retirement budget of the State Civil Apparatus.

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Published
2023-03-31
Issue
Vol. 5, No. 1 (March 2023)
Section
Articles
How to Cite
Husna, F. M., Adrianto, F., & Rahim, R. (2023). Pengaruh Financial Literacy dan Karakteristik Individu terhadap Retirement Budget melalui Financial Risk Tolerance. Jurnal Informatika Ekonomi Bisnis, 5(1), 157-167. https://doi.org/10.37034/infeb.v5i1.216
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       This work is licensed under a Creative Commons Attribution 4.0 International Public License (CC BY 4.0).