Jenny Pardede, Umi Widyastuti and I Gusti Ketut Agung Ulupui (2026) “Determinants of Retirement Planning and Retirement Readiness among Indonesian Civil Servants: The Roles of Financial Literacy and Financial Risk Tolerance”, International Journal of Managemen Analytics (IJMA), 4(3), pp. 649–662. doi: 10.59890/ijma.v4i3.17.