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Ruth Jelita Silaban, Khaira Amalia Fachrudin and Fahmi Natigor Nasution 2024. ANALYSIS OF THE INFLUENCE OF GENERATION, GENDER, FUTURE PERSPECTIVE, FINANCIAL RISK TOLERANCE, AND FINANCIAL LITERACY ON FINANCIAL PLANNING FOR THE RETIREMENT OF STATE CIVIL APPARATUS. International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS). 4, 3 (Jun. 2024), 666–678. DOI:https://doi.org/10.54443/ijebas.v4i3.1637.