Perencanaan Keuangan Hari Tua dan Pengaruhnya terhadap Kesejahteraan Ekonomi Subjektif Keluarga Usia Pensiun

Abstract

Enjoying great life and having financial security after retirement is a dream for all people. Therefore, a good strategy of management family‟s resources is needed. The objective of this study is to analyze some factors that influence financial retirement planning and economic subjective well-being. This study used cross sectional design and involved 154 families with retired husband or wives aged over or 56 years old and selected purposively. Data were collected by interview using questionnaire and was analyzed by descriptive, independent sample t-test, logistic regression, and multiple linear regression. The result showed, length of education and risk tolerances were significant different between public sector and non public sector retired. Increasing of time orientation (future time orientation) affected family at retirement age to do financial planning for retirement. Moreover, family‟s income, future time orientation, risk tolerances, and financial retirement planning gave significant effect on economic subjective well-being of family at retirement age.