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Abstrak :
Program pensiun saat ini dirasakan sebagai salah satu program peningkatan kesejahteraan pegawai yang penting dan mendesak. Sementara metoda pendanaan program pensiun yang selama ini dikenal (pay-as-you-go) dirasakan sudah tidak memadai lagi. Metoda pendanaan yang lebih baik perlu diapresiasi. Tugas akhir ini membahas pendanaan program pensiun dengan metoda pembebanan aggregate (aggregate cost method). Pembahasan meliputi pengertian dan urgensi program pensiun, beberapa fungsi aktuaria yang berkaitan serta istilah-istilah dalam program pensiun. Tugas akhir ini juga menyajikan ilustrasi perhitungan nyata program pensiun utama.

Abstrak :
Penelitian ini membahas tentang pengaruh literasi keuangan masyarakat Indonesia yang berusia di atas 17 tahun, khususnya yang berdomisili di Jabodetabek terhadap keputusan perencanaan pensiun, keputusan kepemilikan tabungan kehati-hatian, dan keputusan perencanaan pembelian asuransi jiwa. Penelitian ini merupakan penelitian kuantitatif dengan desain penelitian survey cross sectional. Hasil penelitian ini menunjukkan bahwa literasi keuangan mempengaruhi keputusan perencanaan pensiun, keputusan kepemilikan tabungan kehati-hatian dan keputusan perencanaan pembelian asuransi jiwa. Hal ini menunjukkan bahwa peningkatan literasi keuangan menjadi penting dalam upaya meningkatkan pengambilan keputusan keuangan. ...... This study discusses the effect of financial literacy for Indonesians over 17 years of age, especially those domiciled in Jabodetabek on pension planning decisions, prudent savings ownership decisions, and life insurance purchase planning decisions. This research is a quantitative study with a cross sectional survey research design. The results of this study indicate that financial literacy affects retirement planning decisions, prudent savings ownership decisions and life insurance purchase planning decisions. This shows that increasing financial literacy is important in efforts to improve financial decision making.

Abstrak :
Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan inklusi keuangan terhadap retirement planning. Penelitian ini menggunakan metode kuantitatif dengan jumlah responden sebanyak 236 orang dan diolah dengan metode analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa literasi keuangan dan inklusi keuangan berpengaruh signifikan terhadap retirement planning yaitu semakin tinggi literasi keuangan maupun inklusi keuangan seseorang maka semakin baik retirement planning-nya. Di samping itu, hasil penelitian menunjukkan bahwa responden didominasi dengan tingkatan literasi keuangan sedang dengan presentase 55,08%, tingkatan inklusi keuangan sedang dengan presentase 57,20% dan tingkatan retirement planning yang tinggi dengan presentasi 52,54% dari jumlah responden. Peneliti juga melakukan penelitian tambahan dengan memilih salah satu faktor demografi yaitu penghasilan per bulan. Diketahui bahwa penghasilan per bulan juga ikut mempengaruhi retirement planning dimana semakin tinggi penghasilan perbulan seseorang maka semakin baik retirement planning-nya. ......This study aims to determine the effect of financial literacy and financial inclusion on retirement planning. This study used a quantitative method with 236 respondents and processed by the method of multiple linear regression analysis. The results of the study show that financial literacy and financial inclusion have a significant effect on retirement planning, means that the higher financial literacy and financial inclusion of a person, the better their retirement planning. In addition, the results of the study showed that respondents were dominated by moderate financial literacy levels with a percentage of 55.08%, moderate financial inclusion levels with a percentage of 57.20% and high retirement planning levels with presentations of 52.54% of the total respondents. Researchers also conduct additional research by choosing one of the demographic factors, which is monthly income. The results that monthly earnings also influence retirement planning where the higher a person's monthly income, the better their retirement planning.

Abstrak :
Skripsi ini ingin melihat pengaruh dari preferensi risiko dan preferensi waktu terhadap intensi pensiun pada pekerja sektor formal yang berusia 50 tahun keatas di Indonesia. Penelitian ini menggunakan data cross-section dengan analisis data sekunder menggunakan regresi logistik dari Survei Aspek Kehidupan Rumah Tangga (SAKERTI) gelombang 5 (2014). Hasil dari penelitian ini menemukan bahwa preferensi risiko dan preferensi waktu secara signifikan berkaitan dengan intensi pensiun seseorang. Selain itu, terdapat faktor lain yang juga memengaruhi intensi pensiun seperti faktor kesehatan dan karakteristik individu. ...... This thesis wants to see the effect of risk preferences and time preferences on retiment intentions of formal sector workers aged 50 years and above in Indonesia. This study uses cross-section data with secondary data analysis using logistic regression of wave 5 (2014) of the Indonesian Family Life Survey (IFLS). The results of this study found that risk preferences and time preferences are significantly associated with retirement intentions. In addition, there are other factors that also affect the intention to retire such as health factors and individual characteristics.

Abstrak :
This book argues that the weakening of public and employer-sponsored social safety nets in several countries will permanently increase pre-retirees? risk-anxiety and create pressure towards readjustment of their expectations about the quality of their lives in retirement. The result will be to raise the priority of achieving effective comprehensive retirement related risk management. This achievement requires an emphasis upon the cascading of linked risks, and careful attention to the optimization of scarce resources used to manage those linked risks. Professional financial and retirement planning advisors comprise a key source of help. This book develops new knowledge concerning the factors that help to explain three important aspects of access to these professional advisors. The results of this analysis are used to illustrate the process of identifying distinctive population segments, key demographics, on the basis of multiple population attributes treated simultaneously. The illustration is further extended with an identification of distinctive population segments relative to performance on a composite indicator of the conduct of multiple retirement risk management activities. The book also discusses implications of the pattern of gender differences in preparedness to address retirement?s challenges, highlighting subgroups of women in which inadequate preparedness is pronounced.

Abstrak :
Salah satu tantangan yang akan Indonesia hadapi saat menjadi ageing population country adalah tanggungan jaminan sosial dan pensiun. Penelitian sebelumnya menunjukkan masalah ini dapat diantisipasi dengan mendorong rakyat melakukan perencanaan keuangan untuk pensiun. Namun, hasil dari Survei Literasi Keuangan Nasional OJK tahun 2016 menunjukkan Indeks Literasi Keuangan Konvensional dan Syariah masih rendah. Padahal literasi keuangan dibutuhkan untuk merencanakan keuangan. Penelitian ini menginvestigasi hubungan antara literasi keuangan, risk aversion, time horizon dan pengetahuan ekonomi terhadap perencanaan keuangan pensiun konvensional dan syariah Muslim di Indonesia. Data diperoleh dari 387 Muslim di Indonesia dan diolah dengan regresi logit. Hasil menunjukkan perencanaan keuangan pensiun konvensional dipengaruhi oleh literasi konvensional, time horizon, dan pengetahuan ekonomi secara positif serta literasi syariah secara negatif. Variabel kontrol jumlah anak berpengaruh negatif, sementara jenis pekerjaan, dan pendapatan berpengaruh positif. Sementara itu, perencanaan keuangan pensiun syariah dipengaruhi oleh literasi keuangan konvensional dan syariah secara positif. Temuan lainnya adalah risk aversion tidak memiliki peran dalam mempengaruhi kedua variabel dependen tersebut.

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In the future, Indonesia will turn into ageing population country and face high dependency ratio of the elderly, thus result in the greater expense of social security and pension funds. Previous studies encourage the citizens to manage and plan their own retirement as the national funds could not cover them thoroughly. The past studies also show that financial literacy has correlation to retirement planning. Unfortunately, based on financial literacy survey conducted by OJK in 2016, the index of financial literacy in Indonesia still low. Even, the sharia financial literacy is lower, although there are various Islamic financial products and services. This paper investigates whether Indonesian Muslim have thought of retirement in conventional and sharia way. Furthermore, using logistic regression, we explore the relationship between financial literacy, risk aversion, time horizon, and economic knowledge to planning. With respect to conventional planning, statistically significant and positive relationship exists in conventional literacy, time horizon, economic knowledge, job and knowledge. Islamic financial literacy and number of children will decrease the probability thinking of retirement. On the other hand, Islamic planning is determined by conventional and Islamic financial literacy positively. Strikingly, there is no role of risk aversion towards both dependent variables.