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Maivalinda, Maivalinda
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Journal : IJBE (Integrated Journal of Business and Economics)

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Does Financial Literacy Mediate, Future Perspective, and Risk Tolerance on Retirement Saving Behavior. Sulistianingsih, Henny; Maivalinda, Maivalinda; Srihasnita, Rita; Zetri, Rifaldo; Rismanda, Rachyta
Integrated Journal of Business and Economics (IJBE) Vol 9, No 1 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i1.1093

Abstract

This study sought to investigate how retirement saving behavior was impacted by financial literacy, future perspective, and significant risk tolerance. Additionally, the financial literacy factors mediate risk tolerance and future perspective. The causal design is a type of quantitative descriptive research that is useful for analyzing one variable's effects on another or measuring the relationship between research variables. All of the participants in this study were Padang residents. Random sampling was used as the sampling method. Primary data and Likert scale measurements were used. The data processing technique used the SEM method based on Partial Least Square (PLS.). The results of this study stated that financial literacy had a significant positive effect on retirement savings behavior. Future perspective had a significant positive effect on financial literacy and retirement savings behavior. The risk tolerance variable had a significant positive effect on financial literacy. Conversely, risk tolerance did not affect retirement savings behavior. Financial literacy as a mediating variable, future perspective, and risk tolerance did not affect their retirement savings planning.
Co-Authors Abdilla, M. Agustin, Fenny Caniago, Rita Sri Hasnita Caniago, Rita Srihasnita Rosali Elmes Santika Eriend , Dion Ezizwita, Ezizwita Fadila Salsabila Zalma Firsta, Firsta Hirma, Dian Imbikri, M Konceta, Nesa Dela Lucy Chairoel Mariyanti, Eka Mohammad Abdilla Oktovia, Nettry Putri, Nesia Hani Raflis, Ratnawati RC, Rita Srihasnita Rice Haryati Riski, Tri Rachmat Rismanda, Rachyta Sari, Puti Embun Srihasnita, Rita Sulistianingsih, Henny Sulistyaningsih, Heni Tri Sukma, Tri Turay, Tiara Utami, Dwi Tyas Vanisya, Winda Wandi, Agus Zetri, Rifaldo Zetri, Rivaldo