@thesis{thesis,
		author={Ismawati  Ismawati},
		title ={Faktor – Faktor Yang Mempengaruhi Perencanaan Pensiun Karyawan Sektor Swasta Di Surabaya},
		year={2022},
		url={http://eprints.perbanas.ac.id/11923/},
		abstract={This study investigates the factors that influence retirement planning by examining the relationship between five factors, financial literacy, locus of control, materialism, future orientation and saving orientation. This study was studied using a questionnaire on 128 private sector employees in Surabaya. Research results used data analysis techniques with the warpPLS 7.0 program. The results of the study show that financial literacy, locus of control, materialism, future orientation and saving orientation have an effect of 14% on retirement planning, while the remaining 86% is influenced by other factors. The study resulted in financial literacy having an insignificant positive effect on retirement planning and external locus of control mediating the effect of financial literacy on retirement planning. Materialism has no effect on retirement planning. Future orientation has a positive effect on retirement planning and saving orientation is able to mediate the effect of future orientation on retirement planning, meaning that the better the future orientation and saving orientation of individuals, the better their retirement plan will be. The findings can be a useful reference for organizations to develop pension plans in the context of developed cities such as Surabaya.}
		}