Pengaruh Financial Literacy dan Karakteristik Individu terhadap Retirement Budget melalui Financial Risk Tolerance

This study aims to prove the effect of financial literacy, individual characteristics, risk tolerance on retirement budget State Civil Apparatus in Provincial Government West Sumatra. In addition, this as a moderator relationship between literacy and moderation characteristics Data collection was carried out by distributing questionnaires directly or using Google form. Based results hypothesis testing, it found that had positive significant budget, while measured gender number dependents did not have budget. Financial weakens does moderate Apparatus.