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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat ABDI MASSA: Jurnal Pengabdian Nasional Moneter : Jurnal Keuangan dan Perbankan Jurnal Penelitian dan Pengabdian Masyarakat GEMAH RIPAH: Jurnal Bisnis Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Proceedings of The International Indonesia Conference on Interdisciplinary Studies
Mukhibatul Hikmah
Universitas Mulawarman
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Retirement Planning Among Mining Sector Workers in East Kalimantan: The Role of Financial Literacy and Future Time Perspective Through Financial Self-Efficacy Mawar Ramadani; Mukhibatul Hikmah
Moneter: Jurnal Keuangan dan Perbankan Vol. 14 No. 1 (2026): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v14i1.2975

Abstract

This study was conducted to analyze the influence of financial literacy and future-oriented time perspectives on retirement planning through financial self-efficacy among mining sector workers in East Kalimantan.. The researchers used a quantitative approach with an explanatory survey method. Data were collected by distributing questionnaires in person and online to 170 mining workers in East Kalimantan using a non-probability sampling technique specifically, convenience sampling and were analyzed using a Structural Equation Model based on Partial Least Squares (SEM-PLS). The results indicate that financial literacy has a positive but non-significant effect on retirement planning. Meanwhile, financial literacy significantly enhances financial self-efficacy. Future time perspective positively and significantly influences both retirement planning and financial self-efficacy. Furthermore, financial self-efficacy positively and significantly influences retirement planning. However, financial self-efficacy does not mediate the relationship between financial literacy on retirement planning, whereas financial self-efficacy mediates the effect of future time perspective and retirement planning. These results imply that possessing financial knowledge alone does not insufficient to directly drive retirement planning behavior without a future-oriented mindset and an individual’s confidence in managing long-term finances.
Penguatan Literasi Keuangan Calon Guru melalui Kolaborasi Akademik Internasional antara Universitas Negeri Jakarta dan Universiti Tun Hussein Onn Malaysia Halim Rasyid; Etyca Rizky Yanti; Yunike Berry; Abdul Latif; Mukhibatul Hikmah; Ade Sri Mulyani; Tri Lestari; Alphieza Syam
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 3 (2026): August 2026 In Press
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/w2deax42

Abstract

This community service activity aims to strengthen the financial literacy of prospective teachers through an international academic collaboration between the State University of Jakarta, Indonesia, and Universiti Tun Hussein Onn Malaysia. This program is designed to improve participants' understanding of personal financial management and build awareness of the importance of financial literacy as a relevant competency for prospective educators. The activity is implemented with a participatory educational approach through interactive lectures, group discussions, case-based learning, financial planning simulations, and reflection sessions. The main materials include basic concepts of financial literacy, budgeting, saving behavior, simple investment concepts, digital financial services, and financial risk management. Evaluation is carried out through participant engagement, responses in discussions, and reflective feedback after the activity. The results of the activity indicate that participants have increased awareness of the importance of wise personal financial management, especially in distinguishing needs from wants, preparing a simple budget, and understanding risks in financial decision-making.
Co-Authors Abdul Latif Ade Sri Mulyani Agustinus Patabang Alphieza Syam Andrean Andrean Arsyad, Annisa Wahyuni Awal Hamzi Safaruddin Azrina Meylahafsa Dhelvya Prima Dani Etyca Rizky Yanti Faries Althalets Filemon Youventis Masi Halim Rasyid Lailatul Hijrah Marlina Marlina Mawar Ramadani Muhammad Rijal Niswardi Muhammad Zaini Nadia Aulia Putri Kustaniah Nur Mustika Ratna Poppy Alvianolita Sanistasya Poppy Alvianolitan Sanistasya Setya Fachtia Rusman Z.A RUSMAN AK Sherli Andini Erianti Tri Lestari Wediawati, Tuti Yunike Berry Zahra Aulia