<![CDATA[This study examines the complex dynamics of retirement planning among manufacturing workers in Batam, Indonesia, focusing on the interplay between financial behavior, social influence, and retirement planning outcomes. Utilizing a quantitative associative approach, the research surveyed 100 workers from diverse demographic backgrounds in Batam's manufacturing sector. The study employed Smart-PLS 3 software for structural equation modeling and path analysis. Key findings reveal that while financial behavior positively influences retirement planning (β=0.196, p=0.032), social influence exhibits a much stronger positive effect (β=0.858, p=0.000). Interestingly, social influence negatively moderates the relationship between financial behavior and retirement planning (β=-0.176, p=0.037), suggesting that social factors may sometimes counteract individual financial practices. These results underscore the complexity of retirement planning in industrial urban settings, highlighting the need for a nuanced approach that considers both individual financial literacy and broader social contexts. The study concludes by recommending holistic strategies that combine traditional financial education with community-based interventions to enhance retirement planning effectiveness among workers in rapidly developing industrial cities like Batam.]]>
