The influence of financial literacy, self-procrastination and future time-perspective on employees' retirement saving behavior in Kedah

This study aims to investigate the factors affecting the saving behavior for retirement among workers in Kedah. This is because there is an issue where Malaysians workers having problem regarding their retirement savings that is not enough for retirement purposes. This study investigates the relationship between financial knowledge, self-suspension and future perspectives on saving behavior. Using a sample of 400 workers in the state of Kedah, the results showed that there is a direct significant relationship between the financial knowledge, self-suspension and perspective of the future with the saving attitude for retirement. The contribution of this study aimed to provide ideas and contributions to the government and the community in designing policy and future research presentations.