Upaya Peningkatan Kesejahteraan Keluarga Melalui Pelatihan Manajemen Keuangan Keluarga

2018 ◽  
Vol 1 ◽  
pp. 25
Author(s):  
Larisa Yohanna ◽  
Siska Maya
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Management Training ◽  
Financial Health ◽  
Community Knowledge ◽  
Family Finances ◽  
Training Activities

This day the Indonesian society tends to behave consumptively, that is why they feel difficult in managing family finances. Family Financial Management Training Activities are implemented with the following objectives: 1) Increase community knowledge about family financial management, 2) Communities can identify needs and wants, 3) Communities can create household budgets and evaluate family financial health, and 4) Community are motivated to improve Cash In and suppress Cash Out (non-consumptive behaviour). The result shows that  level of community knowledge about family financial planning (financial literacy) is good enough with a percentage of 68% than expected.

Struggling to make ends meet: can consumer financial behaviors improve?

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Lisa K. Meneau ◽  
Janakiraman Moorthy
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Group Analysis ◽  
Self Control ◽  
Thinking Styles ◽  
Financial Health ◽  
Content Type ◽  
Financial Behaviors ◽  
Financial Products ◽  
The Impact

PurposeThe purpose of the study is to examine the following two research objectives. The first was to examine the predictive relationships that consumer characteristics of financial literacy, thinking styles and self-control have with a consumer's financial behaviors. The second goal was to ascertain financial management products' ability to aid those consumers who need it the most by weakening the predictive effects of consumer traits on financial behaviors.Design/methodology/approachThe study employed a web-based survey to gather information. The measurement and structural models were analyzed using generalized structured component analysis (GSCA), a component-based structural equation model. The mediation effect of self-control is assessed using the GSCA. The conditional mediation of demographic variables and use of personal financial management products are evaluated using multi-group analysis (MGA) in GSCA.FindingsAntecedents, financial literacy, thinking styles and self-control consumer characteristics are predictors of financial behaviors. However, self-control plays a more prominent role as a mediator between the other variables, strengthening the overall relationship. Also, financial products can have a beneficial moderation effect assisting those consumers who need them the most.Practical implicationsThese insights help in creating target specific financial literacy strategies to influence consumers' financial behaviors. Also, there is a need to develop mechanisms to influence a consumer's self-control and thinking styles to improve financial behavior. In conjunction with other initiatives, the impact of financial literacy has a greater effect on financial behaviors. Further, the insights assist financial institutions and financial technology firms in offering and creating products to help customers make better financial decisions and improve their financial behaviors.Social implicationsThe research addressed a significant global issue – consumer financial health. The Great Recession and the COVID-19 recession highlight the need to focus on the consumer and efforts to improve their financial health.Originality/valueThis research highlighted the mediating role of self-control and suggested that existing and future financial products can positively influence consumer behavior drivers.

Women’s financial planning for retirement

2019 ◽  
Vol 37 (1) ◽  
pp. 120-141 ◽  
Author(s):  
Satish Kumar ◽  
Sweta Tomar ◽  
Deepak Verma
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Future Research ◽  
Content Type ◽  
Developed Economies ◽  
Factors Influencing ◽  
The Status ◽  
Socio Demographic Factors ◽  
Women's Retirement

PurposeThe purpose of this paper is to examine the status of the research on women’s financial planning for retirement. This paper provides a brief review of the work carried out so far along with a conceptual framework of factors influencing women’s retirement financial planning. In addition, it lists significant gaps and recommends avenues for future research.Design/methodology/approachThe review is based on 151 articles appearing in various peer-reviewed journals published during 1980–2017. The study establishes its prominence by studying the publication activities based on the year of publication and region, citation analysis, research designs, data analysis techniques and findings from the selected articles.FindingsMost of the literature on women’s financial planning for retirement indicates a lack of financial management amongst women and their susceptibility to poverty in postretirement years. The majority of the research works in this field have taken place in developed economies. Empirical research with regression-based models for analysis is the most popular research design. This review also highlights the significant determinants of women’s retirement financial planning as identified through literature. These include socio-demographic factors, psychological constructs, financial literacy, economic and circumstantial forces.Originality/valueThis paper covers the research works done in this area in the past 38 years. To the best of authors’ knowledge, this is the first attempt to provide a systematic and comprehensive compilation of the knowledge in this subject. It further synthesizes the findings of various studies on factors influencing women’s retirement financial planning and gives recommendations for future studies.

scholarly journals A MODEL FOR PERSONAL FINANCIAL PLANNING TOWARDS RETIREMENT

2020 ◽  
Vol 0 (0) ◽  
pp. 1-21
Author(s):  
Teresa C. Herrador-Alcaide ◽  
Montserrat Hernández-Solís ◽  
Gabriela Topa
Keyword(s):  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Structural Equation ◽  
Financial Risk ◽  
Management Practices ◽  
Equation Model ◽  
Financial Resources ◽  
Explanatory Variables ◽  
Personal Financial Planning

One problem for sustainability of systems pensions is how people without specialized financial training could manage their resources and their actual personal intentions towards retirement. Research objective is to analyse the relationship among several factors that affect the behaviour towards retirement, the financial management practices and the financial resources, by carrying out a structural equation model (SEM) that was tested in Spanish workers sample in three phases. The influence of financial literacy, financial retirement objectives, optimism on retirement, tolerance to financial risk, and the commitment to financial planning at time 1, are analysed as explanatory variables of financial management practices at time 2. Financial resources for retirement at time 3 are explained by financial management practices. According to results, the model can predict the 36% of the variance of financial management practices and 53% of the variance of financial resources for retirement. Thus, the model can be used for checking of knowledge of the personal financial behaviour before retirement, what enables a better personal financial planning. It would be possible to apply a model based on self-assessment in order to implement a complementary financial planning that would allow to maintain the welfare during retirement.

scholarly journals MEMAKNAI FENOMENA KETERLAMBATAN PENGELUARAN KAS DAERAH PADA SEKRETARIAT DAERAH KABUPATEN GIANYAR

2017 ◽  
pp. 4069
Author(s):  
I Wayan Budi Mahendra ◽  
I Putu Sudana ◽  
Ni Putu Sri Harta Mimba
Keyword(s):  
Financial Planning ◽  
Financial Management ◽  
Qualitative Data ◽  
Participant Observation ◽  
Management Training ◽  
Quality Of Leadership ◽  
Interpretive Paradigm ◽  
Accounts Payable ◽  
Depth Interviews

This study aims to find out how the concerned parties understand and interpret such phenomenon. In order to explore the understanding of related parties, phenomenology is used as a methodology, with interpretive paradigm as a study umbrella. The focus of the study taking place at the Regional Secretariat of Gianyar regency of three informants who deal directly with the Regional Accounts Payable process. Qualitative data were collected by conducting in-depth interviews and participant observation. The findings indicate that the leadership has an important role in the process of local cash outlay. The key problem faced is the quality of leadership that ultimately affeects the non-optimal financial planning, competence apparatus and bureaucratic. This study advises that it is required some efforts such as: arranging financial management training, regular meetings to evaluate the performance and implementing shorten bureaucracy policy.

scholarly journals PERMODELAN POLA PERENCANAAN KEUANGAN BERDASARKAN STATUS PERNIKAHAN

2021 ◽  
Vol 15 (4) ◽  
pp. 773-784
Author(s):  
Lukmanul Hakim ◽  
Sri Andriani ◽  
Nenny Noor Umami
Keyword(s):  
Structural Equation Modeling ◽  
Marital Status ◽  
Financial Literacy ◽  
Financial Planning ◽  
Financial Management ◽  
Structural Equation ◽  
Partial Least Square ◽  
Least Square ◽  
Financial Behavior ◽  
Equation Modeling

A Marital status at community can make an impact on financial management. The purpose of this study was to analyze financial planning based on marital status with the variables of financial attitude, financial behavior, and financial literacy towards people who live in Sumbawa. The data were analyzed using Structural Equation Modeling Partial Least Square (SEM-PLS) through smartPLS version 3.0 software. The results of the analysis in this study indicate that (1) financial attitude has a significant effect on financial behavior both based on married and unmarried status, (2) financial attitude has a significant effect on financial literacy both based on married and unmarried status, (3) financial attitude has an effect significant on financial planning based on both married and unmarried status, (4) financial behavior has no significant effect on financial literacy both based on married and unmarried status, (5) financial behavior has no significant effect on financial planning both based on married and unmarried status, (6) financial literacy has no significant effect on financial planning based on both married and unmarried status, and (7) There is no difference in financial planning based on marital status

scholarly journals PELATIHAN MANAJEMEN KEUANGAN KELUARGA BAGI ANGGOTA AISYIYAH BANJARMASIN 9 KOTA BANJARMASIN

2020 ◽  
Vol 2 (1) ◽  
Author(s):  
Lea Emilia ◽  
Nailiya Nikmah ◽  
Rusman Irwansyah ◽  
Sari Hepy Maharani
Keyword(s):  
Community Service ◽  
Financial Management ◽  
Family Members ◽  
Household Finance ◽  
Management Training ◽  
Lifestyle Changes ◽  
Unexpected Events ◽  
The Family ◽  
Family Finances ◽  
Productive Asset

The diverse needs of life need to be in the management of family finances, because there can be expenditure more than the amount of income.  Lifestyle changes can be a trigger for increased family spending. The purchase of unneeded secondary items can also increase the amount of expenditure. Similarly, the acquisition of consumptive assets or productive asset through an increase in the amount of debt requires the calculation of the portion of debt in accordance with the income. In addition, unexpected events in the family such as the presence of sick family members or payment transactions of children's education funds requiring substantial funds require good management by mothers as household finance managers.The purpose of this community service is to provide training on the management of family finances to Aisyiyah members of Banjarmasin 9 Banjarmasin city. The benefit of this activity for the partner's devotion is to provide knowledge on how to plan the expenditure of family finances, implementation of family financial management and assessment/ supervision of family finances.  Keywords: Familiy financial management, training, Aisyiyah Banjarmasin 9 Banjarmasin City

scholarly journals Literasi Keuangan: Pelatihan Investasi Saham Melalui Pengenalan Pasar Modal Indonesia kepada Investor Milenial

2020 ◽  
Vol 5 (2) ◽  
pp. 94-102
Author(s):  
Langgeng Pirayitno Utomo ◽  
◽  
Benih Hartanti ◽  
Keyword(s):  
Capital Market ◽  
Financial Literacy ◽  
Financial Management ◽  
General Public ◽  
Technical Analysis ◽  
Personal Finance ◽  
Basic Theory ◽  
Computer Laboratory ◽  
Financial Conditions ◽  
Training Activities

Understanding of finance is important, especially for people who want to invest, it is aimed at obtaining maximum returns or returns from investments. The condition of the selected service partners, namely students and the general public who have an interest in investing, currently do not really understand personal finance so they are unable to manage their own finances which results in not understanding how to start investing. The purpose of this activity is to introduce the importance of understanding personal finance so as to be able to measure the extent to which personal financial conditions can be used to invest in the Indonesian capital market to service partners, namely young potential investors. The training activities are carried out in the computer laboratory of STIE PGRI Dewantara Jombang with lecture, question and answer methods, and practice. The material for the activity consists of the basic theory of financial management, introduction to investment, fundamental and technical analysis, and trading simulations. The results of this activity are: 1) service partners have a new understanding of financial literacy and personal finance well; 2) partners are better prepared when they are going to invest in shares or trade in the capital market; 3) the interest of partners to be able to invest is higher than before.

scholarly journals OPTIMALISASI PEMBERDAYAAN NARAPIDANA LEMBAGA PERMASYARAKATAN TERBUKA MELALUI LITERASI KEUANGAN

2020 ◽  
Vol 4 (1) ◽  
pp. 11
Author(s):  
Nina Farliana ◽  
Khasan Setiaji ◽  
Indri Murniawaty ◽  
Hanif Hardianto
Keyword(s):  
Focus Group ◽  
Community Service ◽  
Junior High School ◽  
Financial Literacy ◽  
Financial Management ◽  
Management Training ◽  
Class Ii ◽  
Positive Contribution ◽  
Service Program ◽  
Service Activities

The Optimalization of Empowerment to Convicted Criminal in the Open Prison through Financial LiteracyAbstract. One of the empowerment of convicted criminals is done by increasing financial literacy. The aims of community service are: empowering convicted criminals class II B Kendal open prison through training financial management system, and give positive contribution by training financial management systems to improve financial literacy. The method of implementing community service activities is carried out by: coordination and mapping needs in prisons, focus group discussions (FGD) and financial literacy workshops, as well as post workshop assistance. The strategic steps of service are: convicted criminals in the prison class II B Kendal is given knowledge about financial literacy, convicted criminals are given training and understanding to develop financial literacy through financial management training, discussion sessions, questions and answers by giving opportunities to convicted criminals and prison management related to financial literacy, simulations implementation of financial literacy through personal and family financial management, as well as assisting and monitoring implementation financial literacy, and evaluating the results of service activities that have been carried out. Convicted criminals the prison class II B Kendal are dominated by elementary and junior high school graduates, who commit violations of the law due to economic needs. This community service program is a solution to overcome the low financial literacy of fostered citizens. The success of this service program is due to the achievement of target participants as well as the achievement of objectives and activity material. People who have good financial literacy are able to make the right decisions in financial management in order to face global challenges based on technological progress.Keywords: Empowerment, convicted criminal, financial literacy.Abstrak. Pemberdayaan narapidana salah satunya dilakukan dengan peningkatan literasi keuangan. Tujuan kegiatan pengabdian ini adalah memberdayakan narapidana lembaga permasyarakatan terbuka kelas II B Kendal melalui pelatihan sistem pengelolaan keuangan, serta memberikan kontribusi positif dengan adanya pelatihan sistem pengelolaan keuangan untuk meningkatkan literasi keuangan. Metode pelaksanaan kegiatan pengabdian dilakukan dengan: koordinasi dan pemetaan kebutuhan di lapas, focus group discussion (FGD) dan workshop literasi keuangan, serta pendampingan pasca workshop. Langkah strategis pengabdian yaitu: narapidana lapas terbuka kelas II B Kendal diberikan pengetahuan tentang literasi keuangan, narapidana diberikan pelatihan dan pemahaman untuk mengembangkan literasi keuangan melalui pelatihan pengelolaan keuangan, yaitu pencatatan keuangan, sesi diskusi dan tanya jawab dengan memberikan kesempatan kepada narapidana dan pengelola lembaga permasyarakatan terkait literasi keuangan, simulasi implementasi literasi keuangan melalui pengelolaan keuangan pribadi dan keluarga, serta melakukan pendampingan dan monitoring kepada narapidana dalam pengimplementasian literasi keuangan, terakhir melakukan evaluasi hasil kegiatan pengabdian yang telah dilakukan. Warga binaan Lapas Terbuka Kelas II B Kendal didominasi oleh lulusan SD dan SMP, yang melakukan pelanggaran hukum karena dorongan kebutuhan ekonomi. Program pengabdian kepada masyarakat ini sebagai solusi mengatasi rendahnya literasi keuangan warga binaan. Keberhasilan program pengabdian ini karena ketercapaian target peserta serta ketercapaian tujuan dan materi kegiatan. Masyarakat yang memiliki literasi keuangan yang baik mampu membuat keputusan yang tepat dalam pengelolaan keuangannya guna menghadapi tantangan global yang berbasis kemajuan teknologi.Kata kunci: Pemberdayaan, narapidana, literasi keuangan

scholarly journals Fenomenologis Penerapan Akuntansi Dalam Rumah Tangga Pada Guru-Guru SMK Publik Makassar

2019 ◽  
Vol 4 (2) ◽  
pp. 278-294
Author(s):  
Nurlaila Hasmi
Keyword(s):  
Decision Making ◽  
Financial Planning ◽  
Financial Management ◽  
Qualitative Method ◽  
Phenomenological Study ◽  
The Family ◽  
Family Finances ◽  
Role Of Teachers

Every family has family financial management & acts as a manager, how each family will manage finances will be different, and usually the family finances will be fully regulated by the Housewife (wife). This research tries to reveal the role of teachers in Makassar Public Vocational School on how informants apply household accounting and manage their finances in the household on 4 (four) important things, namely: budgeting, recording, decision making and long-term planning. This study provides findings from a phenomenological study of accounting in the household. This study aims to uncover family financial planning oriented to explore financial management in the families of teachers in Makassar Public Vocational Schools. The focus of discussion and observation is sought to answer the problem of teachers' understanding of the budget in family financial planning. The qualitative method used in this research uses the theoretical basis for the study of phenomenology. The results of the study it can be concluded that the importance of the role of accounting in the household to be able to plan every budget in the household, recording, decision making and long-term planning in the household. This will have a very good impact on controlling the financial cycle and to avoid misunderstandings between husband and wife, as well as the need for long-term decision making and planning in managing family finances better and more precisely.

scholarly journals NILAI MANFAAT DAN TINGKAT PENERAPAN MATERI PELATIHAN LITERASI DAN EDUKASI KEUANGAN (PLEK)

2021 ◽  
Vol 1 (1) ◽  
pp. 51-55
Author(s):  
NINING HARIYANI
Keyword(s):  
Financial Literacy ◽  
Financial Management ◽  
Management Training ◽  
Daily Activities ◽  
Training Module ◽  
Outcome Indicators ◽  
Purposive Sampling ◽  
Finance Management ◽  
Training Materials ◽  
Education Training

The lack of awareness and ability in recording and managing the finances of farming and farmer households causes farmers can’t get a real of their welfare. Farmers are still oriented to production activities and have not led to a profitable business through professional financial management. Training is one of the activities carried out as an effort to provide financial literacy and education for farming and farmer households. This study aims to determine the value of benefits and the level of application of financial literacy and education training materials which consist of 2 core materials, namely farming finance management and household financial management. The research method uses purposive sampling with 29 respondents from the Tuban, Ngawi, Lamongan, Madiun and Jombang regencies of East Java Province as participants in financial literacy and education training in 2019 and 2020. The results showed that the two materials were considered useful about 4.35 and 4.27 and the level of application of the materials was still at 50% or about 3.23 and 3.07 from the specified learning outcome indicators. The value of benefits is positively correlated with the application of the two training materials.It is necessary to improve the training module to make it simpler, easier to understand and aplicable by participants as well as intensive assistance from local extention officer so the material can be applied more optimally in farmer daily activities. ABSTRAKRendahnya kesadaran dan kemampuan dalam pencatatan dan pengelolaan keuangan usahatani dan rumah tangga petani menyebabkan kesejahteraan kurang dirasakan oleh petani. Petani selama ini masih berorientasi pada kegiatan produksi dan belum mengarah pada bisnis yang menguntungkan melalui pengelolaan keuangan yang profesional. Pelatihan merupakan salah satu kegiatan yang dilakukan sebagai upaya untuk memberikan literasi dan edukasi keuangan baik usahatani maupun rumah tangga petani. Penelitian ini bertujuan untuk mengetahui nilai manfaat dan tingkat penerapan materi pelatihan literasi dan edukasi keuangan yang terdiri dari 2 materi inti yaitu pengelolaan keuangan usahatani dan pengelolaan keuangan rumah tangga. Metode penelitian menggunakan purposive sampling dengan responden alumni peserta pelatihan literasi dan edukasi keuangan tahun 2019 dan 2020 yang berasal dari Kabupaten Tuban, Ngawi, Lamongan, Madiun dan Jombang Provinsi Jawa Timur sebanyak 29 orang. Hasil penelitian menunjukkan bahwa kedua materi dinilai bermanfaat yaitu sebesar 4,35 dan 4,27 serta tingkat penerapan materi sebesar 3,23 dan 3,07 atau masih 50% dari indikator hasil pembelajaran yang ditetapkan. Nilai manfaat berkorelasi secara positif terhadap penerapan kedua materi pelatihan. Perlu perbaikan modul pelatihan agar lebih sederhana, mudah dipahami dan diterapkan oleh peserta serta pendampingan yang intensif dari penyuluh pertanian setempat agar penerapan materi lebih optimal dan bermanfaat dalam kegiatan sehari-hari.

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