Managing Family Finances Research Articles

MANAJEMEN KEUANGAN KELUARGA PEDAGANG DI PASAR SIBANG GEDE

The income of traders depends on uncertain sales income every day. To be able to manage family finances, management, and planning are needed to ensure that expenses are not greater than income. This study aims to examine the understanding of financial management, the application of financial management, and the obstacles to financial management for traders in the Sibang Gede market. This study's data and information collection methods included interviews using questionnaires and documentation. The analysis method used is qualitative descriptive analysis. The results of this study indicate that traders in the Sibang Gede market do not understand financial management. Traders choose to record income daily, do not apply long-term planning, apply short-term planning, and own assets in the form of houses and motorbikes. Traders in the Sibang Gede market do not make financial plans, do not record family finances in books, and do not compile budgets. Traders do not have investments, and all traders in the Sibang Gede market choose to use banks as a place to save. The obstacles Sibang Gede market traders face are income instability caused by fluctuations in consumer demand, traders not being accustomed to making financial reports, and traders not being familiar with modern finance.

Financial Literacy Program for Housewives in Rubber Plantation Villages in Indonesia

The Financial Literacy Program for Housewives in Rubber Plantation Village aims to improve understanding and skills in family financial management, especially among housewives vulnerable to income fluctuations. This activity was conducted online through the Zoom application and attended by 50 housewives. The methods include three-month interactive training, group discussions, and post-training mentoring. The results of the initial Survey showed that most participants did not have a monthly budget plan (80%), did not save regularly (70%), and did not understand the importance of debt management and insurance (85%). After the training, there was a significant increase in understanding and practice of financial management. As many as 65% of participants started preparing a monthly budget, 55% saved regularly, and 45% understood how to manage debt wisely. Although there are challenges in implementing financial literacy, especially related to income instability, this program has proven effective in increasing awareness and financial management skills. The final Survey also showed increased awareness of the importance of emergency funds and long-term financial plans, although the percentage is still relatively low. With this program, it is hoped that housewives in rubber plantation villages can be more independent and resilient and manage family finances better amid economic uncertainty

Strategi Pengelolaan Keuangan Keluarga Secara Islami dalam Mewujudkan Keluarga yang Sakinah

This research was conducted among the people of Suka Makmur Village, Muaro Jambi Regency, among whom work as farmers and traders. In the lean season, they still have to fulfill their daily needs, such as clothing, food and shelter. Apart from that, they also have to save and invest to meet future needs. This research aims to: (1) find out strategies for managing family finances in an Islamic way in creating a sakinah family. (2) knowing the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. This research uses a qualitative approach with the type of field research. Determining the research subjects was purposive and used data collection techniques through observation, interviews and documentation. The results of this research show that the Islamic family financial management strategy in creating a sakinah family in the Suka Makmur Village community, Muaro Jambi Regency has carried out financial planning such as managing family finances, savings, investment and zakat. Meanwhile, the supporting and inhibiting factors faced by the people of Suka Makmur Village, Muaro Jambi Regency in managing family finances in an Islamic manner in creating a sakinah family. Supporting factors are faced such as instilling mutual respect, providing support to your partner or family, and having a good personality such as being frugal. Meanwhile, factors such as wasteful nature, lack of communication, and economic problems.

Relasi Suami Istri dalam Pengelolaan Keuangan Keluarga Sebagai Indikator Terjadinya Nusyuz Perspektif Hukum Islam (Studi Pemikiran Burhanuddin Ibrahim al-Bajuri bin Syaikh Muhammad al-Jizawi bin Ahmad)

This research aims to investigate how the relationship between husband and wife in managing family finances can serve as an indicator of nusyuz, considering the perspectives of Islamic law and economics as articulated by Burhanuddin Ibrahim al-Bajuri from the intellectual legacy of Sheikh Muhammad al-Jizawi bin Ahmad. Family financial management is not only about practical aspects but also reflects the moral and ethical values governed by Islamic law. The methodology used is a qualitative research type with a phenomenological approach and a study of thought. The findings from this research are expected to provide deep insights into how these principles can be applied to strengthen the relationship between husband and wife and prevent domestic conflicts. This research is expected to provide ideas that strengthen the concept of good relationships according to Islamic teachings.

The Role of The Housewife in Managing Family Finances (Case Study in South Labuhan Batu Regency)

The Role of The Housewife in Managing Family Finances (Case Study in South Labuhan Batu Regency)

The Smart Way to Manage Family Finances For Beneficiary Families (KPM) Hope Family Program (PKH)

The Smart Way to Manage Family Finances For Beneficiary Families (KPM) Hope Family Program (PKH)

Determinants Influencing Banking Practices among Municipal Residents

Sustaining financial stability and managing family finances require the application of sound banking practices. Finding the important variables that affect city dwellers’ banking preferences is the main goal of this study. The research was conducted in the Rupandehi District of Nepal, specifically located in the Lumbini Zone within the Western Development Region, specifically within the Tilottama Municipality. A diverse range of individuals, encompassing various age groups, genders, occupations, and educational backgrounds, actively participated in the study by diligently completing comprehensive questionnaire. Using a mix of descriptive and causal research frameworks, the study found that factors like convenience, and security have a positive influence on banking behaviors. Conversely, no meaningful relationship was found between the urban population’s banking practices and awareness, availability and motivational factors. The similarity of bank services and the greater levels of financial awareness and literacy that are common in cities may be the cause of this lack of correlation. Therefore, the results of this study may be helpful to banking institutions in creating and putting into practice plans to boost banking participation.

MANAJEMEN PENGELOLAAN KEUANGAN KELUARGA BAGI IBU HAMIL

The aim of this community service activity is to increase mothers' knowledge and understanding in managing finances in order to improve children's health and nutritional status, so that mothers can provide good and appropriate care for the child's growth and development process. This socialization was carried out on September 15 2023 at the village hall in Pekon Blitarejo, Gading Rejo District, Pringsewu Regency, Lampung Province. In general, the steps for Community Service activities can be divided into three stages, namely needs analysis, activity implementation, and evaluation. The results of this community service activity are that mothers can understand the importance of financial planning for the family. It is important to manage family finances, especially for pregnant women, so that nutritional needs are met in order to prevent stunting for pregnant women and babies born. Several ways that can be used to manage finances for the needs of pregnant women include detailing every need for food and drinks that are nutritious but affordable with the money they have. By providing nutritious food and drinks for pregnant women, it is hoped that the growth of the fetus in the womb will also provide adequate nutritional intake, thereby preventing stunting.
 Keywords: Financial Management, Pregnant Women, Stunting.

PRAKTIK PENCATATAN BUKU KAS DAN LITERASI KEUANGAN PADA KELOMPOK IBU RUMAH TANGGA DI GOMBAK VILLAGE KUALA LUMPUR MALAYSIA

Household finances are not an easy thing, you need to manage household finances correctly so that all the needs of various family members can be met. Managing family finances well, managing carefully how expenses match the income earned, is one of the keys to family success. And you need to understand that managing household finances is not only an individual's responsibility, but husbands and wives have the same important role and responsibility for managing finances in their household. However, in most conditions in people's lives, the wife plays the role of treasurer or minister of household finance. This community service activity program collaborates with partners. This form of service is carried out through the promotion of financial literacy and the practice of recording shopping books for housewives. This activity aims to increase and foster financial literacy knowledge for housewives so they are able to be wiser and manage household income and expenses, in order to meet their daily needs. The results achieved can be seen from the positive and enthusiastic responses from the participants. Participants were communicative with question and answer sessions and sharing during the service activity process. Activities like this are very beneficial for partners, especially housewives, some of whom work as cleaners, thereby increasing their knowledge in recording household finances. The service teamhopes that activities like this can continue with different themes and the creation of basic accounting consulting services and simple bookkeeping of household finances

MANAJEMEN KEUANGAN KELUARGA NASABAH PNM MEEKAR SYARIAH DALAM PERSPEKTIF EKONOMI ISLAM

The purpose of this study is to determine the Islamic household financial management of PNM Meekar Syariah customers and provide an appropriate Islamic financial management model to manage family finances in an Islamic manner. The research method uses descriptive research with a qualitative approach. Research using descriptive methods is research that is directed to provide symptoms, facts accurately and systematically about the nature of certain regional populations. The results showed that the customer's understanding of household financial management was very simple. Customers have budgeting and apply financial management simply. Obstacles in its application due to uncertain income and low financial literacy owned. However, the research shows that the financial management of the three households studied is largely in accordance with the concept of Sakinah finance.

Pendampingan Manajemen Tata Kelola Keuangan Keluarga Islami di Kelurahan Kedungdoro Kecamatan Tegalsari Kota Surabaya

The aim of this community service activity is to provide financial management knowledge to the people of Kedungdoro Tegasari sub-district, Surabaya. The method used in implementing community service is through socialization and counseling activities carried out at the Surabyan I Village RT 01 RW 02 Kedungdoro Subdistrict, Tegalsari District, Surabaya City. The activity aims for housewives to understand the importance of the mother's role in the family, especially managing family finances. Family financial management is an activity of planning, managing, storing and controlling funds and assets owned by a family. Family financial management must be planned carefully so that problems do not arise in the future. The socialization and counseling activities are expected to provide knowledge to housewives in Surabyan I Village RT 01 RW 02, Kedungdoro Village, Tegalsari District, Surabaya City regarding financial management activities properly and correctly for family continuity.

Peran Istri dalam Pengambilan Keputusan Standar Operasional Prosedur (SOP) Petik Merah Kopi Robusta di Temanggung (Studi Kasus Petani Kopi Desa Gesing)

This study aims to examine the roles of the wife in making red coffee-picking decisions in Temanggung Regency, Central Java. This research focuses on identifying and understanding the role of the wife in the decision-making process related to picking red coffee, as well as the factors that influence their involvement and contribution to these activities. The research method used is a qualitative approach with in-depth interview techniques and direct observation. Data were collected from several coffee farming families in Temanggung, including from farmers who have active participation from their wives in farming activities. The results of the study show that the role of the wife in making decisions on picking red coffee in Temanggung contributes to various stages of the agricultural process, from land preparation to post-harvest. The role of the wife includes selecting coffee varieties, setting planting schedules, selecting methods and timing of picking, and planning the use of resources and labor. In addition, the wife also plays a role in managing family finances and allocating resources for investment in coffee cultivation. The wife's social role is also seen in forming good relations with other community members, such as in organizing cooperation activities or participating in farmer organizations.

IMPLEMENTASI MANAJEMEN KAS UNTUK MENCEGAH KEGAGALAN KEUANGAN RUMAH TANGGA

Household financial management is the family's efforts to plan, implement, monitor and control the acquisition and use of family economic resources. Household financial management through simple bookkeeping is an important approach in managing family finances wisely. By recording income, identifying expenses, and planning a budget, families can control spending, increase savings, and achieve financial goals more efficiently. This service activity was carried out in Kalipare Village, Pitrang Hamlet. The majority of mothers in Kalipare village work as housewives so their income only comes from one source, namely their husband's salary. On the other hand, housewives never do simple bookkeeping in managing their finances, so their expenses are often greater than their income. Based on this problem, community service was carried out to the Kalipare village community to assist and provide outreach and education regarding cash management. This service aims to increase people's insight into the importance of financial management in the household so that failure in managing household finances does not occur. The methods used in socializing household finances are socialization methods, counseling methods, training and discussion methods, and evaluation. The results of household cash management outreach activities for the people of Pitrang hamlet are reducing problems in managing household finances and being able to help the community in preparing simple bookkeeping.

Pelatihan Peningkatan Literasi Keuangan dan Pengelolaan Keuangan Rumah Tangga di Desa Tanimulya

This service activity is in collaboration with a group of women from Tanimulya village. The partners of this service activity encounter several problems related to financial management: imbalance between income and expenses, inability to determine family financial priorities, weakness in planning expenses, weakness in recording, lack of control over spending, tendency to is more about consumption behavior than investment. The proposed solution to this problem is to establish a training program for mothers on how to plan and manage family finances effectively and efficiently, which in turn can improve family happiness. family. As part of this activity, awareness-raising materials and activities were provided on financial literacy, family income and expenditure budget planning (APBK), understanding of financial industry products and digital financial planning applications, as well as a call to change consumer behavior trends into investment trends. This activity was carried out in the village of Tanimulya, with the participation of staff from the Community Services Team of Nurtanio University in Bandung. After carrying out service activities, it is desirable to achieve the goals of the activity, which are: Raise awareness and understanding of the importance of household financial records, the function and role of financial records in balancing income and expenditure of household funds and foster a sense of responsibility in doing business. family financial management, to raise awareness of the importance of saving and investing in households. Evaluation of service activities is carried out at the end of the activity using a questionnaire and results are given using pre-test and post-test evaluations. Based on the pre- and post-test results, participants increased their knowledge and understanding of the material presented. The activities were able to run smoothly thanks to the enthusiasm and enthusiasm of the participants.

Cara Pintar Mengelola Keuangan Keluarga Bagi Keluarga Penerima Manfaat (KPM) Program Keluarga Harapan (PKH)

The problem of poverty is still a homework that has not been resolved by the government. Various efforts have been made, one of which is through the Family Hope Program (PKH), which is a conditional cash assistance for beneficiaries. It is said to be conditional because recipients must access education and health services using the grant funds received. However, based on information obtained from the companion, it is known that the recipients did not fully use the aid money according to its designation. This happens for various reasons, one of which is minimal income so they have to look for other sources to meet their daily needs. Therefore, this dedication is intended to provide an understanding of how to manage family finances so that whatever income is earned can be sufficient to meet life's needs, not a lifestyle. This dedication method is carried out with lectures, discussions and brainstorming with participants. The result of this service is that participants gain additional knowledge about budget planning, budget control, and distinguishing between needs and wants.

The Role of the Family Hope Program (PKH) in Enhancing Family Literacy and Financial Management from the Perspective of Islamic Economics

As Financial Planner, women have a challenging task, as managing family finances is akin to regulating the heartbeat of married life, making financial literacy and management essential skills to possess. This research examines the role of the Family Hope Program (PKH) in educating aid recipients regarding financial management, focusing on female PKH aid recipients who must actively seek livelihoods. This study adopts a qualitative approach with a case study methodology. The research findings highlight the vital role of PKH in enhancing beneficiaries' financial management literacy, aligning with Islamic economics principles. It is evident in all informants demonstrating financial management practices adhering to Islamic economic principles. It includes using money, budgeting, setting aside emergency/savings funds investments, and managing credit/debt. These findings serve as a crucial reference for PKH support. Recommendations for future research include exploring the differences in financial management between active and non-working PKH aid recipients.

FAKTOR - FAKTOR PENDORONG DAN PENGHAMBAT GRADUASI SEJAHTERA MANDIRI PENERIMA PROGRAM KELUARGA HARAPAN DI KABUPATEN LAMPUNG TENGAH

ABSTRACT 
 
 Based on observations in 2019, PKH beneficiaries Families were faound who are already socially capable, but are not willing to graduate independently, even though PKH social assistants have already carried out the educational process. Such a situation really needs proper management/strategy because if left unchecked it will cause various problems. This research was conducted in September 2022 - February 2023 with 12 PKH social assistants and 6 PKH KPM informants in Central Lampung Regency. Methods of data analysis using qualitative analysis. The results of the study stated that factors success of independent prosperous graduation in Central Lampung, namely early competence PKH social assistants, motivation of the PKH District coordinator, behavior innovative human resources and KPM PKH, appreciation from the Indonesian Ministry of Social Affairs to assistants PKH’s social achievements, KPM’s visionary mindset, high fighting power from KPM, the ability KPM tu manage family finances, self awareness and shame within KPM that encourages KPM to apply for graduation from PKH, sensitivity KPM social and self confidence, support from the KPM family, KPM craft attend Family Capacity Building Meetings, support from village officials and subdistrict. Factors that become obstacles to the prosperous graduation is defference in PKH HRD perceptions about graduation prosperous independence, low self efficacy of most PKH social assistants, there is no support from the village apparatus, the standard criteria for poor families the relevant corals are used, the independent prosperous graduation data still comes out as PKH beneficiaries, and recertification instruments are not implemented.

SOSIALISASI PERENCANAAN KEUANGAN RUMAH TANGGA BERBASIS SYARIAH DI DESA PANTAI HARAPAN JAYA

The majority of Indonesian people's household financial planning still uses traditional concepts in rural areas, especially housewives who are now managing family finances and using their finances only for consumption activities. The lack of public knowledge of sharia-based household financial planning in managing finances for families is still considered trivial because they have not paid much attention to the importance of sharia-based financial planning. The author uses community service in the form of community education, namely by providing socialization to increase understanding of the people of Pantai Harapan Jaya Village, Muara Gembong District. The location of the implementation of socialization activities in the courtyard of the Al-Ikhlas mosque, Pantai Harapan Jaya Village, face to face. The socialization began with the provision of material "Socialization of Sharia-Based Household Financial Planning in the village of Pantai Harapan Jaya". The results of the service show that participants can appreciate the importance of implementing sharia-based household finances in order to create prosperous financial conditions in the family. The suggestions recommended for further service or the community are to be able to practice directly in the form of training in several sessions to improve the ability to implement prosperous family financial planning to the community.

PELATIHAN PENGELOLAAN KEUANGAN RUMAH TANGGA BAGI WANITA NELAYAN DI DESA NENAS SIAM KABUPATEN BATU BARA

Family financial management is a fundamental skill that must be owned by every household. The wife has an important role in managing family finances because the wife's job is to be the "finance minister" for her family. Financial problems generally occur when the amount of expenditure is greater than the amount of income, and the amount of income earned is irregular. This PKM activity was carried out on Wednesday-Thursday June 7-8 2023, 09.00 to 12.00 WIB at the Nenas Siam Village Hall, Batu Bara Regency with the target of 18 fishermen's wives or women with the aim that participants could identify sources of income and expenses , can determine between needs and wants, and understand how to control expenses according to the budget that has been compiled so that family needs are met. This PKM activity method is carried out in three stages, namely: 1) planning and preparation stage, 2) activity implementation stage, 3) final evaluation stage with lecture techniques, group discussions, and assignment assignments. As a result of this activity, the participants were very enthusiastic about participating in the training, which was marked by the participants following it until the event was over, the participants were able to prepare a family budget by making simple bookkeeping. Based on the results of the activity evaluation, participants hoped that there would be a follow-up program with a similar theme in order to better understand family planning specifically.

THE INFLUENCE OF EDUCATION LEVEL, INCOME AND ENVIRONMENTAL CONDITIONS ON FINANCIAL MANAGEMENT AMONG GUARDIANS OF MI AR RAHIM STUDENTS IN GUNUNGSINDUR SUBDISTRICT

Efficient financial management is essential for family well-being and growth. In the context of MI Ar-Rahim student guardians in Gunungsindur District, the roles of educational level, income, and environmental conditions in shaping financial decisions are vital. Housewives' adept management of family finances is crucial for creating a prosperous and stable household. This study aims to determine the extent to which the influence of educational level income and environmental conditions on financial management in the Guardians of MI Ar-Rahim students Gunungsindur District. Financial management in the family is a way of managing family finances systematically and carefully through the planning implementation and evaluation stages. Housewives in managing family finances must think smart careful and precise in using finances so that they always create a good family and experience continuous growth. With the ability of housewives to manage family finances in an appropriate manner at the right time in the right place at the right price and with the right quality family welfare will be realized. This research was conducted to find out how the influence of the level of education income and environmental conditions in good financial management.