<![CDATA[ABSTRAK Penelitian ini bertujuan untuk menganalisis pengaruh future orientation terhadap perencanaandana pensiun pada masyarakat di Kota Semarang. Metode yang digunakan adalah pendekatankuantitatif dengan penyebaran kuesioner kepada 68 responden, serta analisis data menggunakanuji validitas, reliabilitas, asumsi klasik, dan regresi linear sederhana. Hasil penelitian menunjukkanbahwa instrumen penelitian valid dan reliabel, serta model regresi memenuhi asumsi klasik.Analisis regresi membuktikan bahwa future orientation berpengaruh positif dan signifikanterhadap perencanaan dana pensiun, meskipun kontribusinya relatif kecil (R² = 0,295). Temuan inimengindikasikan bahwa semakin tinggi orientasi masa depan individu, semakin baik pula perilakuperencanaan pensiunnya. Dengan demikian, semakin tinggi orientasi masa depan individu,semakin baik pula perencanaan dana pensiunnya, meskipun faktor lain juga perlu dipertimbangkanuntuk mendukung perilaku finansial masyarakat. ABSTRACT This study aims to analyze the effect of future orientation on pension fund planning among thepeople of Semarang City. The research employed a quantitative approach by distributingquestionnaires to 68 respondents and analyzing the data using validity, reliability, classicalassumption tests, and simple linear regression. The results showed that the research instrument wasvalid and reliable, and the regression model met the classical assumptions. Regression analysisrevealed that future orientation has a positive and significant effect on pension fund planning,although its contribution is relatively small (R² = 0.295). These findings indicate that the higher anindividual's future orientation, the better their retirement planning behavior. Therefore, the higheran individual's future orientation, the better their retirement planning, although other factors alsoneed to be considered to support people's financial behavior.]]>
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