Hubungan Pengetahuan dan Tingkah Laku Kewangan dengan Perancangan Kewangan Persaraan dalam Kalangan Generasi Milenial
Abstract
Persaraan merupakan satu fasa kehidupan yang bakal dilalui oleh setiap pekerja apabila umur bersaranya tiba. Kajian lepas menunjukkan perancangan kewangan bagi tujuan persaraan dalam kalangan generasi milenial di Malaysia masih kurang berbanding luar negara. Justeru itu kajian ini akan mengkaji hubungan di antara pengetahuan kewangan dan tingkah laku kewangan dengan perancangan kewangan persaraan dalam kalangan generasi milenial. Perancangan kewangan persaraan yang dikaji melibatkan komponen pengurusan tunai, pengurusan simpanan, pengurusan kredit, pengurusan insurans, pengurusan pelaburan dan perancangan harta pusaka. Kaedah survei dengan menggunakan teknik persampelan rawak sistematik diaplikasikan dalam kajian ini. Sampel kajian adalah generasi milenial yang berkhidmat sebagai penjawat awam di Jabatan Perkhidmatan Awam, Putrajaya. Borang soal selidik digunakan sebagai instrumen pengumpulan data. Hasilnya seramai 270 orang responden terlibat dalam kajian ini. Analisis Korelasi Pearson digunakan bagi menjelaskan hubungan di antara pengetahuan kewangan dan tingkah laku kewangan dengan perancangan persaraan. Hasil kajian menunjukkan hanya tingkah laku kewangan menunjukkan hubungan signifikan positif sederhana dengan perancangan kewangan persaraan. Justeru itu, implikasi kajian menyarankan agar tingkah laku diberi perhatian dalam memastikan generasi milenial mempunyai perancangan persaraan yang terbaik. Perhatian harus lebih fokus kepada aspek pengurusan kredit dan perancangan pelaburan. Hal ini perlu bagi membolehkan persediaan kewangan optimum dilakukan oleh generasi ke arah kesejahteraan hidup, khususnya semasa menghadapi persaraan.
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