Managing Family Finances Research Articles

Cerdas Mengelola Keuangan Rumah Tangga Bagi Ibu-Ibu Kelurahan Mojolangu Kota Malang

Family financial planning is a strategy to achieve family financial goals in the short and long term. Good financial planning certainly cannot be separated from good financial management, because good financial management attitudes start from the implementation of good financial attitudes. Partners in this Community Service Program are women in the Mojolangu village, Lowokwaru sub-district, Malang city. The method of implementing this service is the interview, presentation and discussion method. Based on the results of the interviews, it can be concluded that the problems that occurred, namely: (1) lack of public knowledge in managing family finances and also good financial planning. (2) The community has not recorded their results (3) there are still many mothers who lack knowledge about the importance of saving as a priority. The solutions offered in this service are as follows: (1) provide education/knowledge about the importance of how to manage family finances smartly and carefully, (2) the service team provides education/knowledge about the importance of recording and household financial income from business results, (3) the proposing team will provide education / insight related to the importance of knowledge about saving and investment activities.

Online banking and women's increasing bargaining power in marriage: A case study in a ‘Taobao village’ of southern Fujian

This article explores the extent to which the advent of e-commerce and online banking has enhanced the ability of rural women to manage family finances. The prevalence of digital payment has reshaped economic life in rural China, but how the adoption of online banking has impacted power relations in rural families remains underexplored. Drawing from ethnographic data collected in a Chinese Taobao village, I reveal how female online sellers' access to joint earnings with their husbands, through sharing digital payment accounts, has expanded their ability to curb their husbands' excessive personal spending, thus allowing them to better manage household income. I also delve into this issue by taking into account intergenerational power relations in the processes of female online sellers' exercise of agency, a dimension of which has not been adequately explored in the scholarship on digital banking and women's financial status in developing regions.

HUBUNGAN LITERASI KEUANGAN TERHADAP KEPUTUSAN INVESTASI MELALUI PERILAKU KEUANGAN SEBAGAI VARIABEL INTERVENING PADA KELUARGA DI DUSUN SIDOMULYO DESA SUMBERWARU

Family finances are the most important thing in building a prosperous family, by managing family finances properly in order to avoid financial problems and be able to make financial decisions in the future. The purpose of this study was to analyze and examine the effect of financial literacy on investmenst decisions in families through financial behavior. The population in this study were families in sidomulyo Hamlet, Sumberwaru Village. The sampling technique was determined by non probability sampling technique. Data analysis and hypothesis testing in this study used the Structural Equation Model – Partial Least Square (PLS-SEM). The results of the direct effect hypothesis test using the Smart PLS 3.0 application, show that financial literacy has a significant positive effect on financial behavior, financial literacy has a significant positive effect on investment decisions, financial behavior has a significant but negative effect on investment decisions. The result of the indirect effect hypothesis test show that financial literacy on investmenst decisions through financial behavior has a significant negative effect.

Pelatihan Cara Pintar Mengatur Keuangan Keluarga Berpendapatan Rendah

Managing family finances is unquestionably critical, even more so for low-income families. The issue is that many low-income families are characterized by family heads who are either uneducated or lack basic skills of family finance management. The goal of the activities is to ascertain the beneficiary community's need for financial management, to provide training in managing family finances to low-income families, and to evaluate the training. The targeted communities are people with a low to moderate income who live in the Padalarang-West Java region. Three techniques are utilized depending on the number of activity objectives. The first objective is accomplished by in-depth interviews with community leaders, the second objective is accomplished through training, and the third objective is accomplished through questionnaire analysis. The study's findings indicated that the community required an understanding of and capacity for managing family finances, particularly during a pandemic. This comprehension and capability were acquired through the training provided, which, according to participants, was highly effective.

Peran Ibu Rumah Tangga Dalam Manajemen Keuangan Keluarga Selama Masa Pandemi Covid-19

The COVID-19 pandemic that has hit almost all parts of the world to date has caused instability in various sectors, especially in the economic sector. Economic instability that is felt in people's lives and has an impact on household life. Family income accompanied by increasing needs causes most households to experience difficulties in managing their family finances. Therefore, the role of housewives is needed in managing family finances properly and correctly during the COVID-19 pandemic to be able to maintain family welfare. The method used in this research is literature review. Literature review is research conducted by finding sources of information regarding theories related to the problems found. This study aims to describe the role of housewives in family management during the Covid-19 pandemic. The results of this study indicate that 1) a strategy that housewives can do in managing family finances well during the covid 19 pandemic is by implementing several steps, including determining the priority scale in meeting needs, making financial planning to distinguish between needs and wants. , make an ideal spending budget, make savings by shopping when shopping and calculate daily expenses by making daily and monthly shopping records, be wise in taking debts, and do something that can generate income such as a small business. 2) the efforts made by housewives to increase family income during the COVID-19 pandemic were carried out in various ways, such as opening a business in the food sector by processing food into various side dishes. Other efforts made by housewives to increase income families work odd jobs, grow crops, and others, as well as trade or do business online.

Pengenalan Literasi Keuangan dan Pengelolaan Keuangan Keluarga Bagi Ibu-Ibu Rumah Tangga (Warga Jalan Pulau Payung RT.12 RW.04 Kel. Surabaya Kec. Sungai Serut Bengkulu)

Managing family finances is important, because family finances in quantity and quality can be beneficial for the family to the maximum to achieve a prosperous family that is fulfilled materially and spiritually and all family members can develop potential in accordance with their respective talents and abilities. Managing family finances means managing all income / receipts both routine and non-routine receipts and routine expenses and non-routine expenses. The importance of household financial planning makes us a community service team to organize training in the introduction of financial literacy and family financial management for 1 month in the RT.12.RW.04 Community located on The Umbrella Island road, the location is very close to the tourist attractions of Kumayan Island. This training method is carried out by tutorial methods and FGD so that participants recognize the problems of household financial planning respectively, demonstrations of household financial planning followed by all participants, education of financial grouping with the method "POS MAP KK" to help allocate household needs according to their needs. This Devotion Program is expected to provide knowledge and training to residents of RT.12.RW.04 Umbrella Island surabaya village of Bengkulu city about managing good finances, preparing family financial priorities, preparing family planning, helping the implementation of financial planning of housewives.

Penyuluhan Pengelolaan Ekonomi Keluarga Pada Ibu-Ibu PKK Perumahan Villa Muka Kuning Batam

This study aims to provide teaching about managing the family economy which is very important in the household. Basic lesson to financial management needs to be socialized and applied to the families of PKK mothers in the Villa Muka Kuning Batam Housing because with increased knowledge of how to organize and apply family financial records properly and correctly from an early age, PKK mothers at Villa Muka Kuning Batam Housing can prevent and limit unimportant financial expenditures, so that in the future there is no waste. During the visit, discussion with the head of RT 01 and regarding the appropriate schedule and time for the implementation of counseling. The service method used is to provide material about an introduction to simple financial management and governance for families, and discussions and questions and answers. The provision of this material is expected to be able to create awareness for PKK mothers in Villa Muka Kuning Housing Area RT 01 to be able to manage family finances properly and appropriately.

Household accounting during the COVID-19 pandemic in phenomenology perspective

The purpose of this research is to find out the role of household accounting in financial management and how the awareness, knowledge and readiness of a family in facing the COVID-19 pandemic crisis. This study uses a phenomenological approach to describe phenomena in the form of the same life experiences experienced by a number of people regarding the application of household accounting during the COVID-19 pandemic crisis. The themes found show that the application of household accounting has maximum benefits if it is applied in managing family finances before the COVID-19 pandemic occurs. If the application of household accounting is done well, it will avoid the difficulties of the COVID-19 pandemic crisis. Practically, the application of household accounting is something that must be considered and applied before and during the COVID-19 pandemic crisis. This research provides an overview of howthe role of household accounting if it was implemented before the COVID-19 pandemic occurred and what benefits would a family receive if implementing household accounting before and during the COVID-19 pandemic.

Socialization Of Financial Literacy During The Covid-19 Pandemic In South Tanggerang MSME Gallery

This service is entitled Socialization of Financial Literacy in the Era of the Covid-19 Pandemic to the Garri MSMEs in South Tangerang, Banten. The general objective of this community service activity is to provide practical training and knowledge of financial management which has an impact on the welfare of the community. The method used is a survey method and direct material delivery as well as simulations and discussions on management, financial management, increasing income and online loans that have an impact on the welfare of the community. The conclusion of this community service is that there will be assistance in management in financial management. The socialization was carried out by after the presenters explained the concept of family financial management accompanied by examples of financial calculations in the family, the participants were able to understand well, at which time the participants were able to make cash flow for their respective families' finances and were able to manage it well. . The training participants have been able to properly manage and manage family finances during the Covid-19 pandemic according to the theory.

PENGELOLAAN KEUANGAN KELUARGA DI MASA PANDEMI COVID 19

The Covid 19 pandemic that occurred in 2020 impacts all areas of life, especially in the economy. The restriction of community activities causes a decrease in income that the government, business sector, and the community is not only felt by the government. This activity aims to increase the knowledge and ability of homemakers in managing family finances in the covid 19 pandemic period where many families' income decreases so that a mother as a financial manager must have knowledge and skills in family financial management. This activity was carried out at the Cisitu Village Office, attended by 20 participants consisting of homemakers and RT RW Cisitu Village. This activity went smoothly. The method of this service activity uses counseling and discussion methods. This activity shows that participants better know how to manage family finances by making household budgets, making spending priorities so that the income earned every month can meet all needs to avoid debt and start saving.

Managing Family Finances During The COVID-19 Pandemic

This community service activity (PPM) aims to increase the understanding of the Methodist Indonesia Sungai Yordan Church congregation in managing business finances/side businesses to develop well and manage family finances to achieve specific funding targets in the future. To protect and increase the wealth owned; to manage cash flow (incoming and spending money); to carry out risk management and manage risks appropriately, and to manage accounts payable correctly and adequately. The method used is by conducting counseling and distributing online questionnaires to determine financial conditions during the pandemic. Based on the questionnaire results, most of the church members who attended stated that they could overcome financial difficulties during the pandemic with the income they received every month. The chosen investment method is savings and gold to be quickly withdrawn/sold during a pandemic.

The Effect of Abusive Factors on the Emergence of the Financial Abuse between Partners: An Exploratory Study for the opinions of a sample of married women within the geographical location at Duhok city specifically Avro City

It remains the dominant concept when talking about intimate partner violence that physical violence is predominant, predominately in academic researches and reports published by media. In this study we focus on another form of unseen abuse that is committed in close partner relationships. It is an economic abuse which is likewise indicates to as financial abuse in a wide range of the literature. In this study we concentrate on five factors that affect the financial abusive which are Engaging in Activities, Culture & Traditions, Financial Skills, Financial Knowledge, and Financial Illiteracy. The research sample include only married women within geographical location at Duhok city specifically Avro City, 120 electronic form of the research questionnaire was distributed on the respondents, and about 105 form were valid which represent a percent of 87.5% from the distributed questionnaire. The results revealed that there is a significant and positive correlation between the five abusive factors and financial abuses at the levels of research variables. According to the conclusions We suggested that there should be more interest in our society to increase women's awareness of how to manage their income and to have an opinion and a role in managing their own financial affairs and managing family finances.

Seminar on the Role of Financial Management and Stress Management for Families during the Covid-19 Pandemic in Sindangsari Tangerang Village

The purpose of this activity is toexplain the impacts and remedies that occur due to the covid-19 pandemic, explain how to manage family finances,explain how to find sources of funds by utilizing the creativity we have,explain how to manage stress so th at it is not sustainable during a pandemic. covid-19, describes techniques that families can do to minimize stress. Conducted online via Zoom Meeting. The results of this activity There are still housewives who do not understand the importance of financial management and how to make a good financial budget, especially during a pandemic like today.

The Implementation of Family Hope Program in Social Protection and Welfare in West Lombok

Social inequality remains a crucial problem in Indonesia. This paper intends to describe the implementation of the Family Hope Program as social protection and its impact on improving family welfare in West Lombok. This qualitative research used an analytic descriptive approach, with a case study in the village of Terong Tawah. The results of the study show that the program beneficiaries can experience welfare, manage family finances well, and meet what they need, not what they want. In addition to guaranteed health services, they are kept safe from a school dropout, especially for pregnant and breastfeeding women, as well as toddlers and children.

Manajemen Keuangan Keluarga di Era Pandemi Covid -19

In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family is very important because we do not live alone but we are part of the family, society and the country as for the steps we take in managing family finances are as follows: (1) record expenses that must be spent monthly, (2) record all expenses that may or may not be monthly, (3) record all monthly passive income (4) record all monthly active income (5) add up monthly expenses plus expenses may or may not monthly (6) add up monthly passive income with active income per month.(7) calculate the difference in the sum n point 5 with point 6 (8) targeting our financial condition by multiplying monthly expenses by 12. one month. And the key to success in managing family finances is to increase self-capacity, want to learn more, and want to fight again and be able to refrain from being consumptive.In 2020, the world community was shocked by the spread of Corona Virus Disease (Covid-19) in various countries, so far based on WHO data, 233 countries have cases of Covid-19, including Indonesia. As an anticipatory measure for the Indonesian government in cutting the chain of the spread of the corona virus, the Indonesian government issued government regulation Number 21 of 2020 concerning Large-Scale Social Restrictions (PSBB), the increasing number of the spread of the corona virus in Indonesia, the government issued a new policy on July 31, 2021 regarding PPKM where The movement of people is restricted to reduce the spread of the corona virus. This has an impact on people's economic conditions that are not easy, the unemployment rate is so complex. This research is a qualitative research using the literature study method where the author collects data, studies, and analyzes from the literature published by books, journals, and magazine articles so as to obtain accurate and in-depth data about family financial management. The results of this study are financial management. family is very important because we do not live alone but we are part of the family, society and the country as for the steps we take in managing family finances are as follows: (1) record expenses that must be spent monthly, (2) record all expenses that may or may not be monthly, (3) record all monthly passive income (4) record all monthly active income (5) add up monthly expenses plus expenses may or may not monthly (6) add up monthly passive income with active income per month.(7) calculate the difference in the sum n point 5 with point 6 (8) targeting our financial condition by multiplying monthly expenses by 12. one month. And the key to success in managing family finances is to increase self-capacity, want to learn more, and want to fight again and be able to refrain from being consumptive.

REFLECTION OF LOCAL WISDOM ON WOMEN'S RIGHTS IN MINANGKABAU INDIGENOUS COMMUNITIES

Women in Minangkabau traditional culture are Limpepeh Rumah Nan Gadang which are symbols of the existence of harmonization of households; guarantee of the quality of human resources both in terms of inheritance and descendants, and guarantee of knowledge and availability of family food. This research is conducted in the Minangkabau community within Luhak Nan Tuo area, particularly in the Tanah Datar Regency community. By using the interview method, it reflects three stages of women’s position in Minangkabau descriptively. These stages are (1) in decision making to determine assets in the family economy, (2) in the working distribution, and (3) in managing family finances. From the result of the study, it can be seen that the position of women in making decisions is still in the second position even though in the end the women who act as bundo kanduang are still being asked for opinions in terms of protecting reproductive health which indicated in decreasing point. There has been a change in working distribution in which the women are allowed to work not only in domestic sectors but also in public sectors. However, women’s position in managing family finances are getting decreased. This is as a result of culture and its values in structural, solidarity, existence of the society. Bundo kanduang institution in Nagari is the basis for empirical empowerment and local wisdom on women's rights. It is just a sub-section of the institution that deals with women's, social, children, youth and women's issues. The social reality where the domestication of discrimination has implications for women. There is still a strong gender bias of community leaders. At least, there are female figures who are able to act as agents for women's empowerment in cultural studies.

Independent Community Improvement to Manage Family Finances in Supporting OJK Programs

Financial control or management is quite important in reducing the gap between the rich and the poor. However, understanding related to family financial management is still quite low. The low level of community soft skills makes it less efficient in family management. This will have a negative impact on family management which will experience a deficit and make financial managers, in this case, housewives, often get into debt in several places. In addition, this service aims to support government programs through the Financial Services Authority (OJK) in family financial planning by providing assistance to housewives living in Unyur. The implementation method in the program uses training and mentoring on family financial management. The results of this dedication show that housewives are very enthusiastic about participating in the financial management training being held. So, housewives are able to manage household finances with programs launched by the government.

Women’s Financial Literacy: Perceived Financial Knowledge and Its Impact on Money Management

This paper presents an empirical study on women’s financial literacy in a developing country, Indonesia. Financial literacy in developing countries, especially for women, needs to be improved. Traditionally, women have an important role in managing family finances. Their ability to conduct good financial management can help their family’s financial stability and improve its welfare. If women do not have adequate capacity to manage the family’s finances, the family’s economic health can be at risk. Having financial literacy is important as it provides financial resilience at times of uncertainty. This explanatory research uses a sample comprising 100 women living in the city of Bandung, Indonesia, who are in the Baby Boomer generation as well as in Generations X, Y, and Z. The data were collected through an online questionnaire and analyzed using partial least squares structural equation modeling (PLS-SEM). The results provide evidence that perceived financial knowledge has a significant effect on financial management behavior in the dimensions of savings behavior, shopping behavior, long-term planning, and short-term planning. Moreover, the study results show that the respondents have a moderate level of financial literacy and financial management behavior.

Women in the coastal area and seaweed farming in Madura, East Java, Indonesia

This study aimed to 1) analyze the roles and tasks of female seaweed farmers or wives of male seaweed farmers in Sumenep Regency, 2) analyze the factors affecting the roles of those women to increase family income. The research employed quantitative and qualitative methods, using a questionnaire, in-depth interviews, focus group discussions, and observations as the means to collect the data. Most of them worked as day-based laborers for seaweed farming. The average income earned was IDR 585,100/month. The domestic role of female seaweed farmers as housewives included cooking, taking care of the house, taking children to and picking them up from school, caring for children, and managing family finances. Work-hour, educational background, work experience, and the number of children as variables simultaneously affected the wives’ income share on family income. However, work-hour as a variable did not have a significant effect on it.

PERENCANAAN KEUANGAN KELUARGA KOMUNITAS USAHA KECIL MENENGAH INDONESIA (UKAMI) BANTEN BERSINAR

This dedication is related to financial planning and control for Small and Medium Enterprises (SMEs). This service is carried out by providing training to members of the entrepreneurs who are UKM in the Tangerang area. The phenomenon of the many SMEs that are difficult to maintain their existence due to poor financial management is the background of this service. The planning tools given to the trainees are material for managing family finances. The majority of participants are married women, over 41 years old, high school graduates, have a culinary business that has high financial literacy and have started to do short-term financial planning. planning and financial control training can have a fairly good impact on the trainees, increasing the knowledge of participants in applying theories in planning such as budgeting and analysis used to evaluate performance