PENDIDIKAN KELUARGA, SAVING ATTITUDES DAN PERENCANAAN PENSIUN: STUDI PADA BADAN PENYELANGGARAN JAMINAN SOSIAL KESEHATAN DI KOTA TONDANO

Rafianty Tiwow, Nikolas F. Wuryaningrat, Robert R. Winerungan

Abstract


This study aims to determine the effect of family education on retirement planning at the Tondano Branch Health BPSJS office, the effect of saving attitudes on retirement planning at the Tondano Health BPSJS office, and the influence of family education and saving attitudes towards retirement planning at the BPSJS office. Tondano Health Branch. This study is a causal associative study with a population of 35 members. The number of samples of 35 people was taken using a saturated sampling technique. Methods of data collection using questionnaires and documentation. The data analysis technique used multiple regression. The results of this study indicate that there is a positive and significant effect of family education on retirement planning at the Tondano Branch Health BPSJS office, that there is a positive and significant influence on saving attitudes towards retirement planning at the Tondano Branch Health BPSJS office, and that there is a positive and significant effect, and significant influence of family education and saving attitudes towards retirement planning at the health BPSJS office Tondano Branch. The effective contribution of family education variables and saving attitudes is 82.1% towards retirement planning.

BAHASA INDONESIA ABSTRACT

Penelitian ini bertujuan untuk mengetahui pengaruh pendidikan keluarga terhadap perencanaan pensiun di kantor BPSJS Kesehatan Cabang Tondano, pengaruh sikap menabung terhadap perencanaan pensiun di kantor BPSJS Kesehatan Tondano, dan pengaruh pendidikan keluarga dan sikap menabung terhadap perencanaan pensiun pada kantor BPJS Cabang Kesehatan Tondano. Penelitian ini merupakan penelitian asosiatif kausal dengan jumlah populasi 35 orang. Jumlah sampel 35 orang diambil dengan menggunakan teknik sampling jenuh. Metode pengumpulan data menggunakan angket dan dokumentasi. Teknik analisis data menggunakan regresi berganda. Hasil penelitian ini menunjukkan ada pengaruh positif dan signifikan pendidikan keluarga terhadap perencanaan pensiun di kantor BPSJS Kesehatan Cabang Tondano, ada pengaruh positif dan signifikan sikap menabung terhadap perencanaan pensiun di kantor BPSJS Kesehatan Cabang Tondano, dan ada merupakan pengaruh yang positif dan signifikan, dan ada pengaruh signifikan pendidikan keluarga dan sikap menabung terhadap perencanaan pensiun di BPSJS kesehatan Cabang Tondano. Kontribusi efektif variabel pendidikan keluarga dan sikap menabung sebesar 82,1% terhadap perencanaan pensiun.


Keywords


pendidikan keluarga; sikap menabung; perencanaan pensiun; family education; saving attitudes; retirement planning



DOI: http://dx.doi.org/10.19166/ff.v2i1.5356

Full Text:

PDF

References


Bucciol, A., & Veronesi, M. (2014). Teaching children to save: What is the best strategy for lifetime savings? Journal of Economic Psychology, 45, 1–17. https://doi.org/10.1016/j.joep.2014.07.003

Cahyani, D. R. (2020, June 8). Dampak Corona, 3,05 juta orang terkena PHK hingga Juni. Tempo. https://bisnis.tempo.co/read/1350955/dampak-corona-305-juta-orang-terkena-phk-hingga-juni

DeVaney, S. A. (1995). Retirement preparation of older and younger baby boomers. Journal of Financial Counseling and Planning, 6, 25–34.

Earl, J. K., Bednall, T. C., & Muratore, A. M. (2015). A matter of time: Why some people plan for retirement and others do not. Work, Aging and Retirement, 1(2), 181–189. https://doi.org/10.1093/workar/wau005

Fitriani, F. F. (2020, June 2). BPS: Masyarakat miskin dan pekerja sektor informal paling terdampak Covid-19. Bisnis.com. https://ekonomi.bisnis.com/read/20200602/9/1247570/bps-masyarakat-miskin-dan-pekerja-sektor-informal-paling-terdampak-covid-19-

Grant, R. M. (1996). Toward a knowledge-based theory of the firm. Strategic Management Journal, 17(S2), 109–122. https://doi.org/10.1002/smj.4250171110

Indarti, N., & Dyahjatmayanti, D. (2015). Manajemen pengetahuan: Teori dan praktek. Gadjah Mada University Press.

Joo, S. H., & Grable, J. E. (2005). Employee education and the likelihood of having a retirement savings program. Journal of Financial Counseling and Planning, 16(1), 37–49.

Kennickell, A. B., Starr-McCluer, M., & Sundén, A. E. (1997). Saving and financial planning: Some findings from a focus group. Angewandte Chemie International Edition, 6(11), 951–952. https://doi.org/10.2139/ssrn.31209

Kimiyagahlam, F., Safari, M., & Mansori, S. (2019). Influential behavioral factors on retirement planning behavior: The case of Malaysia. Journal of Financial Counseling and Planning, 30(2), 244–261. https://doi.org/10.1891/1052-3073.30.2.244

Kimiyaghalam, F., Mansori, S., Safari, M., & Yap, S. (2017). Parents’ influence on retirement planning in Malaysia. Family and Consumer Sciences Research Journal, 45(3), 315–325. https://doi.org/10.1111/fcsr.12203

Lembaga Ilmu Pengetahuan Indonesia. (2020). Survei dampak darurat virus Corona terhadap tenaga kerja Indonesia. http://lipi.go.id/siaranpress/survei-dampak-darurat-virus-coronaterhadap--tenaga-kerja-indonesia/22030

Martin, T. K., Jr., Guillemette, M. A., & Browning, C. M. (2016). Do retirement planning strategies alter the effect of time preference on retirement wealth? Applied Economics Letters, 23(14), 1003–1005. https://doi.org/10.1080/13504851.2015.1128068

Moorthy, M. K., Chelliah, T. D., Chiau, S. S., Lai, C. L., Ng., Z. K., Wong, C. R., & Wong, Y. T. (2012). A study on the retirement planning behaviour of working individuals in Malaysia. International Journal of Academic Research in Economics and Management Sciences, 1(2), 54–72.

Ng, T. -H., Tay, W. -Y., Tan, N. -L., & Lim, Y. -S. (2011). Influence of investment experience and demographic factors on retirement planning intention. International Journal of Business and Management, 6(2), 196–203. https://doi.org/10.5539/ijbm.v6n2p196

Nonaka, I., Takeuchi, H., & Umemoto, K. (1996). A theory of organizational knowledge creation. International Journal of Technology Management, 11(7/8), 833–845. https://www.inderscience.com/info/inarticle.php?artid=25472

Nunnally, J. C. (1975). Psychometric theory — 25 years ago and now. Educational Researcher, 4(10), 7–21. https://doi.org/10.3102/0013189X004010007

Perrone, D., Sullivan, C. J., Pratt, T. C., & Margaryan, S. (2004). Parental efficacy, self-control, and delinquency: A test of a general theory of crime on a nationally representative sample of youth. International Journal of Offender Therapy and Comparative Criminology, 48(3), 298–312. https://doi.org/10.1177/0306624X03262513

Rosana, F. C. (2020, May 12). Bappenas sebut pengangguran akibat Corona mencapai 3,7 juta orang. Tempo. https://bisnis.tempo.co/read/1341336/bappenas-sebut-pengangguran-akibat-corona-mencapai-37-juta-orang

Sebayang, R. (2020, March 12). Alert! WHO resmi tetapkan Corona pandemi. CNBC Indonesia. https://www.cnbcindonesia.com/news/20200312064200-4-144245/alert-who-resmi-tetapkan-corona-pandemi

van Rooij, M. C. J., Lusardi, A., & Alessie, R. J. M. (2011). Financial literacy and retirement planning in the Netherlands. Journal of Economic Psychology, 32(4), 593–608. https://doi.org/10.1016/j.joep.2011.02.004

Ward, S., Wackman, D. B., & Wartella, E. (1977). How children learn to buy: The development of consumer information-processing skills. Sage.

Webley, P., & Nyhus, E. K. (2006). Parents’ influence on children’s future orientation and saving. Journal of Economic Psychology, 27(1), 140–164. https://doi.org/10.1016/j.joep.2005.06.016


Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Rafianty Tiwow, Nikolas F. Wuryaningrat, Robert R. Winerungan

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

favicon Fakultas Ekonomi dan Bisnis | Universitas Pelita Harapan | Kampus Universitas Pelita Harapan | Gedung F Lt. 12 | Lippo Karawaci, Tangerang - 15811 | Telp 021-5460901 | Fax 54210992


 

Flag Counter