THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL ATTITUDE AND PEER INFLUENCE TOWARD RETIREMENT SAVING BEHAVIOR MODERATED BY GENDER: A CASE IN INDONESIA

The purpose of this study is to determine the influence of financial literacy, financial attitude and peer influence with the moderation effect of gender and to analyze the differences in retirement saving behavior between male and female. The respondents ofthis study consists of 101 female and 101 male working individuals and were selectedusing non-probability sampling with purposive and snowballing techniques. Thedata collectioninstrument used was an online questionnaire. The data in this research were analyzed using One Way Analysis of Covariance (ANCOVA). The result showed that financial literacy influences retirement saving behavior with the moderation of gender, financial attitude influences retirement saving behavior with the moderation of gender,and peerinfluenceinfluences retirement saving behavior with the moderation of gender.Another finding in this study was a difference between male and female working individuals in terms of their retirement saving behavior.