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Ayuninggar, Lintang
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Literasi Keuangan dan Perilaku Perencanaan Keuangan Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo Pramesti, Diah; Martini, Endang; Damayanti, Rosita Mei; Rosdaliva, Mehilda; Ayuninggar, Lintang
Social, Humanities, and Educational Studies (SHES): Conference Series Vol 8, No 3 (2025): Social, Humanities, and Educational Studies (SHEs): Conference Series
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/shes.v8i3.107261

Abstract

This study aims to examine financial literacy and financial planning behavior among housewives in Kelurahan Gentan, Baki, Sukoharjo. A survey conducted by the Financial Services Authority (OJK) indicates that financial literacy among housewives remains lower than financial inclusion, which may influence household financial planning. This research adopts a descriptive quantitative approach, utilizing primary data collected through questionnaires. The study population comprises housewives residing in Kelurahan Gentan, Baki, Sukoharjo, with a sample of 85 respondents selected using random sampling. The data were analyzed using descriptive statistics. The findings reveal financial literacy through behaviors such as saving, borrowing from financial institutions, and investing. However, there are inconsistencies in expense recording and a lack of investment activity. Although financial planning is generally practiced, it remains inconsistent. These findings highlight the importance of empowerment and mentoring programs for women, particularly housewives, in financial management.Penelitian ini bertujuan untuk mengetahui literasi keuangan dan perilaku perencanaan keuangan pada Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Survey OJK menunjukkan literasi keuangan pada Ibu Rumah Tangga masih lebih rendah dibandingkan inklusinya, sehingga dapat berpengaruh pada perencanaan keuangan keluarga. Penelitian ini menggunakan pendekatan deskriptif kuantitatif dengan sumber data primer yang diperoleh menggunakan kuesioner. Populasi dari penelitian adalah Ibu Rumah Tangga di Kelurahan Gentan, Baki, Sukoharjo. Sampel sebanyak  85 orang dengan metode random sampling dengan teknik analisis menggunakan statistik deskriptif. menunjukkan literasi keuangan dari perilaku menabung, meminjam uang dari lembaga keuangan dan melakukan investasi. Namun, masih terdapat pencatatan pengeluaran yang belum konsisten, serta belum melakukan investasi. Perencanaan keuangan keluarga sendiri sudah banyak dilakukan namun belum konsisten. Hal ini memberikan gambaran pentingnya program pemberdayaan dan pendampingan perempuan, khususnya Ibu Rumah Tangga dalam pengelolaan keuangan.
Co-Authors Adhihendra, Brian Gregory Ambarwati, Valents Carollina Yuliani Andika, Aqila Zofianesya Anggraeni, Fitria Rizky Anggraini, Viona Mega Ardiansyah, Faizin Arif Pristianto Auliarahman, Lutfi Candra, Maeda Dicky Damayanti, Rosita Mei Desy Mayasari, Desy Dewangga, Mahendra Wahyu Endang Martini Fadjriyah, Mandha Noor Farahdiba, Dea Hirianto, Reno Firman Hirianto, Reno Firman Anriza Hunik Sri Runing Sawitri Ishad, Muhammad Raihan Komalasari, Nadya Umami Krisdeana, Afinda Kumalaningrum, Vania Debby Malik Cahyadin Martin, Endang Mugi Harsono Novela Q A, Intan Pramest, Diah Pramesti, Diah Prameswary, Melinda Intan Rosdaliva, Mehilda Safira, Laras Samiyem, Samiyem Saputri, Saifa Syah Aris Sukmawan, Cesar Adhin Wulan Adis Aranti Yulianti, Deva Putri