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"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.

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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."

"Penelitian ini bertujuan untuk menganalisis pengaruh financial literacy confidence terhadap retirement planning pada Gen-Z di wilayah Jabodetabek. Generasi Z, sebagai kelompok yang sedang memasuki usia produktif, sering kali menunjukkan pola perilaku "soft savings" yang dapat menghambat perencanaan pensiun dini. Berdasarkan penelitian sebelumnya, financial literacy berperan penting dalam meningkatkan kesadaran dan tindakan perencanaan pensiun. Metode penelitian yang digunakan adalah survei kuantitatif dengan kuesioner yang disebarkan secara online kepada 237 responden dari Generasi Z yang berdomisili di Jabodetabek dan memiliki Kartu Tanda Penduduk (KTP). Analisis data dilakukan menggunakan regresi linear berganda untuk menguji hubungan antara variabel financial literacy confidence dan retirement planning, dengan mempertimbangkan variabel kontrol seperti usia, jenis kelamin, tingkat pendidikan, status pernikahan, tingkat pendapatan, dan kepemilikan anak. Hasil penelitian menunjukkan bahwa terdapat pengaruh signifikan antara financial literacy confidence terhadap retirement planning. Individu dengan financial literacy confidence tinggi cenderung lebih baik dalam merencanakan pensiun mereka. Penelitian ini memberikan kontribusi dalam memahami pentingnya financial literacy confidence bagi Gen-Z, serta implikasinya terhadap kebijakan peningkatan financial literacy untuk mendukung retirement planning di Indonesia khususnya Jabodetabek.

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This study aims to analyze the effect of financial literacy confidence on retirement planning in Gen-Z in the Jabodetabek area. Generation Z, as a group that is entering productive age, often exhibits "soft savings" behavior patterns that can hinder early retirement planning. Based on previous research, financial literacy plays an important role in increasing awareness and action on retirement planning. The research method used was a quantitative survey with a questionnaire distributed online to 237 respondents from Generation Z who live in Jabodetabek and have an Identity Card (KTP). Data analysis was conducted using multiple linear regression to test the relationship between financial literacy confidence and retirement planning variables, considering control variables such as age, gender, education level, marital status, income level, and child ownership. The results show that there is a significant influence between financial literacy confidence and retirement planning. Individuals with high financial literacy confidence tend to be better at planning their retirement. This research contributes to understanding the importance of financial literacy confidence for Gen-Z, as well as the implications for policies to improve financial literacy to support retirement planning in Indonesia, especially Jabodetabek."