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Reza, Reza
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Household Financial Literacy Among Oil Palm Farming Families: A Qualitative Descriptive Analysis Ashari, Ayu; Reza, Reza; Haidar, Kadori; Sutrisno, Sutrisno
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 3 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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Abstract

This study examines household financial literacy among women in oil palm farming families, a sector known for its economic volatility due to fluctuating commodity prices and limited access to financial information. Using a qualitative descriptive approach, data were collected through in-depth interviews and direct observations with women responsible for managing household finances in oil palm smallholder environments. The data were analyzed through stages of reduction, presentation, and conclusion drawing. The findings reveal that household financial literacy among these women is generally adequate, particularly in understanding income sources, essential expenditures, and the importance of prioritizing needs over wants. Respondents demonstrated the ability to manage income through budgeting decisions and to handle debt responsibly by ensuring timely repayment. However, financial challenges remain, especially due to the absence of systematic financial recordkeeping and limited long-term budgeting practices. These limitations often lead to difficulties in managing household finances during periods of price fluctuation or reduced harvest yields. The study emphasizes the need for strengthened financial education programs to support better planning, recording, and resilience in agricultural household economies.
Co-Authors abu, ilham Adiningsih, Rosita Agan, Mitha Aisyah, Salwa Nurul Amelia, Safitri AMIN IRMAWAN Anggraini, Ajeng Prasetya Ardiansyah Kurniawan Ardiansyha, Ardiansyha Arjuna, Arjuna Ashari, Ayu Asropi Asropi Astuti, Ratna Fitri Carles, Carles desi aryani Edwan, Surya Muhammad Eliza Fitria Ellyawati, Noor Febriana, Tiara Murni Fitriani Fitriani Fitriyani Fitriyani Haidar, Kadori Hana, Hanafiah Hasimu, La Herianto, Asfin Ilana Putri, Mita Indah Permatasari Irawan, Reza Irdiansyah, Irdiansyah Irman, Dwi Agust Subriana Kahar Kahar Kuseni, Hani Yasmin Lifanda, Lifanda Lutfi Saidatus Saniah Mandawati, Sabila Mardan, LM Wirya Maulinda, Niken Ayu Mirza Antoni Muhammad Ali Akbar, Muhammad Ali Muhammad Edwan, Surya Ningsih, Putri Septia Nisaa, Istiqoomatun Nur Inayah Nurliyana, Nurliyana Patrisia, Patrisia Piar, Christie Stephanie Pohan, Winnie Nashorunnisa Puspitasari, Rina Martina Putranto Widiatmoko, Roso Putri Nabila, Annabba putri, Ika Adelia Rahayu, Neneng Sri Rahayu, Vitria Puri Rahman, Waljuni Astu Rahmawati, Hj.Ida Reskia Utami, Riska Rian Christian Sondakh Risnawati Risnawati Riyadi, Riyo Rulen, Betty Nia Salsabila, Salsabila - Seprina, Zurni Souleh, Milda Sudarman Sudarman Sujana, Ujang SUTRISNO Sutrisno, Sutrisno Toyo, Jama Toyo, Jamal uswatun khasana Uswatun Khasana, uswatun khasana Wahyudi, Ickhsanto Wulandari, Mesy Ayu