EVALUASI LITERASI KEUANGAN, MOTIVASI KEUANGAN, DAN KETERSEDIAAN PRODUK KEUANGAN TERHADAP PERILAKU PERENCANAAN KEUANGAN JANGKA PANJANG PADA KARYAWAN SWASTA PT DOLPHIN FOOD & BEVERAGES INDUSTRY KABUPATEN TANGERANG

This article presents a quantitative research design to evaluate the effects of financial literacy, financial motivation, and the availability of financial products on long-term financial planning behavior among private employees of PT Dolphin Food & Beverages Industry in Tangerang Regency. The study uses an explanatory survey approach. The population consists of 320 active employees distributed across six organizational divisions. A sample of 178 respondents is determined using the Slovin formula and allocated through proportionate stratified random sampling. Primary data will be collected using a closed questionnaire containing 48 items measured on a five-point Likert scale. Financial literacy, financial motivation, availability of financial products, and long-term financial planning behavior are each measured by 12 items. The proposed empirical model will be tested using Partial Least Squares Structural Equation Modeling with SmartPLS. The model positions financial literacy as cognitive capacity, financial motivation as internal drive, and product availability as an external facilitating condition. The research is expected to provide empirical evidence for employee financial education, financial product access, and corporate financial well-being programs.