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Istiqlaliyah Muflikhati
Department Of Family And Consumer Science, IPB University. Jl. Kamper, Wing 4 Level 5, Campus Of IPB Dramaga Bogor 16680
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Journal : Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan

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Religiosity, Financial Vulnerability, Financial Behavior and Family Welfare in Families Receiving Direct Cash Assistance (BLT) Wahyuni, Fitri Ayu; Muflikhati, Istiqlaliyah; Johan, Irni Rahmayani
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 19, No. 6 : Al Qalam (In Progress November 2025)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v19i6.5685

Abstract

The government has made several efforts to reduce poverty, one of which is the provision of Direct Cash Transfer (BLT), which is expected to increase purchasing power and have an impact on increasing family welfare. The purpose of this study was to analyse the effect of religiosity, financial vulnerability and financial behaviour on family welfare in families receiving Direct Cash Transfer (DCT). This study adopted a quantitative approach using a convenience sampling technique with a total of 130 BLT recipient families as respondents. The study was conducted in Purwakarta Regency. The results showed that religiosity was in the high category, financial vulnerability was in the medium category, financial behaviour of BLT recipient families was in the low category, and family welfare was in the medium category. The results showed that family welfare is directly influenced by financial behaviour and financial vulnerability. Meanwhile, religiosity affects family welfare through financial behaviour. The results of this study show the importance of good financial behaviour for BLT recipients to improve family welfare and not depend on government assistance.
Co-Authors Ach. Haris Abdi Manaf Achmad Fahrudin Achmad Fahrudin Adam Sugiharto, Adam Adinda Wahyu Widhi Astuti Adzkiya, M.A. Zaim Agief Julio Pratama Akmalia, Laely Rahmawati Alfiasari Amelya Qois Nabillah Amirah, Nurul Angraini, Sylvianti Ani Wijirahayu, Ani Anindya Savira Anna Fatchiya Anna Fatchiya Arief Hendarto Azizah, Sheila Nur Budi Suharjo Bunga Ayu Lestari Chandra, Nirmala Eka Damayanti, Rahmi Defina Desy Purwayanti Dewi Sekar Mukhti Dewi, Siska Ayu Tiara Diah Krisnatuti Dinarwan *. Djuara P Lubis Dwi Hastuti Elmanora Elmanora Elmanora, - Erni Widyaningsih, Erni Ervina Aprianti Euis Sunarti Fadil Risdian Ansori Fathimah Zahroo Gatot Yulianto Gilar Cahya Nirmaya, Gilar Cahya Handian Purwawangsa Hanggrita, Elvindia Puja Hari Wijayanto Hartoyo Hartoyo Hartoyo Hartoyo Hazrina Rachmawati, Hazrina Herawati, Tin Heri Antoni Herien Puspitawati Indrawati Zuhara Ira Mustika Irni Rahmayani Johan Kumoro, Retno Leila Siti Chairani Lestari*, Indah Ria Lestari, Indah Ria Lilik Noor Yuliati Luvy Mayanda Lyra Majasoka Mahanani, Raditya Kasih Majasoka, Lyra Megawati Simanjuntak Melly Latifah Mentari Dwi Prihatiningrum Moh. Djemdjem Djamaludin Mohammad Iqbal Irfany Muhammad, Larastyan Yang Bogaan Nadia Aulia, Nadia Narni Farmayanti Neti Hernawati Ninik Sriyanti Novida Nurmayanti Nurhayati , Leti Nurul Salimah Oktavia Rattika Muladsih Oktriyanto Oktriyanto, Oktriyanto Pantas Angelia Pratiwi Ismayanti, Pratiwi Pudji Muljono Puspa Widya Utami Putri, Marietta Krisnaya Nandika Qodarian Pramukanto Rahayu, Ismie Leona Rahma Nur Praptiwi Rani Maulanasari Ranti Aisuka Rinjani Raysha Helau Wardhani, Raysha Helau Retnaningsih Retnaningsih Retnaningsih Retnaningsih Reviani, Nia Ria Oktaria, Ria Ridhoni Khoirul Anam Risda Rizkillah, Risda Ristya Primadi RIZA RIZA Robi Rizkianto, Robi Safitri, Ima Audina Samosir, Miracle Samuel Sari, Nova Nurmala Sari, Ririn Purnama Sari, Trisna Intan Savira, Anindya Setyasalma, Hani Silitonga, Mirdat Siroj, Eko Yuliarti Siti Maesaroh Sudirman Sudirman Susanti Kartikasari, Susanti Suwarto Syarifa , Rizka Tantri Ryanthi Tati Budiarti Tatie Soedewo Taufiiqoh, Maitsaa Rifdah Tin Herawati Tri Wulandari Henny Astuti, Tri Wulandari Henny Ujang Sumarwan Ulfi Urfillah, Ulfi Umu Rosidah Villa, Zifora Mujahidah Vivi Irzalinda Wahpiyudin, Cep Abdul Baasith Wahyuni, Fitri Ayu Wawan Okatriza Yatri I Kusumastuti Yulfa, Rahmi Yulianah Yulina Eva Riany Yulya Srinovita Zulfikar Zulfikar