Jenny Pardede, Umi Widyastuti, I Gusti Ketut Agung Ulupui. Determinants of Retirement Planning and Retirement Readiness among Indonesian Civil Servants: The Roles of Financial Literacy and Financial Risk Tolerance. IJMA [Internet]. 2026 Aug. 3 [cited 2026 Aug. 8];4(3):649-62. Available from: https://journalijma.my.id/index.php/ijma/article/view/17