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All Journal Jurnal Ilmu Ekonomi Manajemen Perusahaan dan Bisnis
Hesti Novaria
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Economics, Econometrics & Finance

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ANALISIS STRATEGI PERENCANAAN KEUANGAN RUMAH TANGGA DALAM MENINGKATKAN KETAHANAN EKONOMI KELUARGA DI KOTA MUARA TEWEH Arsuni Arsuni; Hesti Novaria
JURNAL ILMU EKONOMI (MANAJEMEN PERUSAHAAN) DAN BISNIS Vol 10 No 02 (2026): JURNAL ILMU EKONOMI (MANAJEMEN PERUSAHAAN) DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi Muara Teweh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51512/jimb.v10i02.272

Abstract

This research aims to analyze the level of implementation of household financial planning strategies in Muara Teweh City from aspects of budget planning, savings, debt management, and investment; identify the family economic resilience conditions in facing routine needs and economic risks; and test the influence of financial planning strategies on family economic resilience. The study employs a qualitative approach with subjects being households in Muara Teweh City, population comprising all households in the area, and sample of 5 key informants through purposive sampling based on data saturation principle. Data were collected via in-depth interviews, observations, and literature review using semi-structured interview guides. Based on the research findings, the level of financial planning strategy implementation is relatively low (budget 45%, savings 38%, debt 42%, investment 25%), family economic resilience is moderate (expenditure stability 47%, emergency capability 40%), and financial planning strategies have a significant positive influence on resilience through cash flow control and financial literacy.
Co-Authors Arsuni Arsuni