<![CDATA[Tujuan penelitian ini untuk menganalisis model aplikasi Structural Equation Modeling (SEM) untuk perencanaan pensiun di Kementerian Kelautan dan Perikanan. Penelitian ini bersifat penelitian kuantitatif. Data analisis berupa data primer dari kuesioner yang pengukurannya menggunakan skala Likert. Metode analisis menggunakan analisis metode SEM dengan software smart-PLS. Hasil penelitian menunjukan variabel independen mempunyai pengaruh positif dan searah serta berkontribusi terhadap variabel dependen yaitu koefisien jalur antara literasi keuangan dan perencanaan pensiun sebesar 0,289, sedangkan koefisien jalur antara manajemen keuangan pribadi dan perencanaan pensiun sebesar 0,633. Secara keseluruhan variabilitas konstruk penelitian antara literasi keuangan dan manajemen keuangan pribadi terhadap perencanaan pensiun memiliki nilai R-square sebesar 78%. Berdasarkan hasil penelitian ini diketahui literasi keuangan dan manajemen keuangan pribadi berdampak baik terhadap perencanaan pensiun.Kata kunci: literasi keuangan, manajemen keuangan pribadi, perencanaan pensiun ABSTRACT The goal of this research was to look into the Structural Equation Modeling (SEM) application model used for retirement planning at the Ministry of Maritime Affairs and Fisheries. This research is a quantitative research. Data analysis in the form of primary data from a questionnaire whose measurement uses a Likert scale. The analytical method uses the SEM analysis method with PLS software. The results show that the independent variables had a positive and unidirectional effect and contributed to the dependent variable, namely the path coefficient between financial literacy and retirement planning was 0.289, while the path coefficient between personal financial management and retirement planning was 0.633. Overall, the variability of the research construct between financial knowledge and personal financial management in retirement planning has an R-square value of 78%. According to the findings of this study, financial literacy and personal financial management have a good impact on retirement planning.Keywords: financial literacy, personal financial management, retirement planning]]>
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