理财素养与理财行为对退休信心的影响

D. Patrisia, Moni Fauziah
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引用次数: 4

摘要

本研究旨在分析:(1)财务素养对退休信心的影响;(2)财务素养对财务管理行为的影响;(3)财务管理行为对退休信心的影响;(4)财务管理行为在财务素养与退休信心关系中的中介作用。这种类型的研究是因果研究。本研究的样本为巴东市政府和私人机构的200名雇员。本研究采用IBM SPSS Amos 24结构方程模型进行分析。结果表明:(1)财务素养对退休信心无显著影响(2)财务素养对财务管理行为有显著影响(3)财务管理行为对退休信心有显著影响(4)财务素养与退休信心之间的财务管理行为有完全中介关系。
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The Effect of Financial Literacy and Financial Management Behavior on Retirement Confidence
This research aims to analyze: (1) The effect of financial literacy toward retirement confidence (2) The effect of financial literacy toward financial management behavior (3) The effect of financial management behaviors toward retirement confidence (4) The mediating role of financial management behavior on the relation between financial literacy and retirement confidence. This type of research is causative research. The sample in this research is 200 employees of government and private agencies of Padang Pariaman regencies. This research was Analyzed with Structural Equation Modeling using IBM SPSS Amos 24. The result indicate that: (1) Financial literacy has not a significant effect on retirement confidence (2) Financial literacy has a significant effect on the behavior of financial management (3) Financial management behavior has a significant retirement on confidence (4) Financial management behaviors fully mediated relation between financial literacy and retirement confidence.
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