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All Journal Jurnal Riset Ekonomi, Manajemen, dan Bisnis
Wardani, Alien Nuril
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Economics, Econometrics & Finance Social Sciences

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The Effect of Financial Knowledge and Income on Pension Fund Planning Behavior with Locus of Control as A Mediation Variable Wardani, Alien Nuril; Silvy, Mellyza
Jurnal Riset Ekonomi, Manajemen, dan Bisnis Vol. 2 No. 2 (2025): November 2025
Publisher : Universitas Kristen Petra dan Ikatan Sarjana Ekonomi Indonesia Cabang Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jremb.2.2.78-88

Abstract

This study aims to examine the influence of financial knowledge and income on retirement planning behavior with locus of control as a mediation variable. The study included 321 respondents who met criteria such as having a total family income of at least IDR 4.000.000 per month, having worked for at least 2 years, living in Surabaya, Gresik, or Sidoarjo, and having financial management responsibilities in the family. The data analysis technique uses Partial Least Squares Structural Equation Modeling (PLS-SEM) with PLS 6.0. This study finds that financial knowledge and income positively influence retirement planning behavior, and that locus of control can mediate their effects.
Co-Authors Silvy, Mellyza