Wiwit Hariyanto (1), Ruci Arizanda Rahayu (2), Fityan Izza Noor Abidin (3), Muhammad Tegar Hidayatullah (4), Miftahul Huda (5)
Abstract: This research examines the influence of self-control levels among civil officials in relation to their investment planning intentions, considering the importance of effective financial management for future income and expenses. Utilizing purposive sampling, data from 77 respondents were collected through a questionnaire. The study employs Smart PLS software and partial least squares (PLS) analysis to test hypotheses. The findings underscore the significance of technology readiness and unveil implications through a SINTA-ranked journal publication, national seminar article, and intellectual property rights. As financial aspirations persist among individuals, especially those with families, many remain hindered by financial constraints. This study underscores the urgent need to address these challenges, offering insights for informed financial decision-making and goal realization.
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Keyword: Self-Control, Investment Planning, Financial Management, Technology Readiness, Financial Constraints
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