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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Sains Sosio Humaniora Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Jurnal Bina Ilmu Cendekia Jurnal Insan Farmasi Indonesia Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Pendidikan Hayati Jurnal Muria Research Guidance and Counseling (MRGC) Al-Musyrif : Jurnal Bimbingan dan Konseling Islam Jurnal Pengabdian Masyarakat Bangsa Jurnal Inovasi Pendidikan Jurnal Ilmiah Ekonomi dan Manajemen GEMBIRA (Pengabdian Kepada Masyarakat) PEDAMAS (Pengabdian Kepada Masyarakat) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Economic: Journal Economic and Business Fundamentum: Jurnal Pengabdian Multidisiplin BIMBINGAN DAN KONSELING BANYUWANGI
Siti Napisah
Bimbingan Dan Konseling Universitas PGRI Banyuwangi
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ANALISIS PERILAKU KEUANGAN KELUARGA MUDA KELAS MENENGAH DI INDONESIA (STUDI KUALITATIF BERDASARKAN PERSPEKTIF PERILAKU KEUANGAN RUMAH TANGGA DAN TEORI PERILAKU TERENCANA) Hafiz, Abdul; Napisah, Siti; Suaryansyah, Berandi
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/6czx9b71

Abstract

The purpose of this study is to explore the financial behavior of middle-class urban families in Indonesia. This study use Behavioral Household Finance framework and integrated it with Theory of Planned Behavior. Despite the increaseing of financial literacy, many households have poor financial behaviors. Using a qualitative approach, the research gets insights from in-depth interviews with nine families selected through purposive sampling. Participants were middle-income family living in urban areas with school-aged children. Thematic analysis revealed that financial behavior is shaped by cognitive biases, social norms, perceived behavioral control, and financial literacy. Limited financial knowledge and negative perceptions of formal financial institutions also hindered their ability to improve their financial behavior which represented in their financial outcome. On the other hand, families with higher financial literacy demonstrated better control over their finances, proactive saving strategies, and more resilience against behavioral biases and social pressure. These findings highlight that enhancing financial literacy alone is insufficient without addressing the psychological and cultural factors that influence financial decision-making. This study offers implications for the design of financial education and policy interventions that go beyond technical knowledge and incorporate behavioral insights aligned with local cultural values.
Co-Authors Achmad Sulthoni Adrian Radiansyah Agus Mursidi Ahmad Sulthoni Ahmad Yani Amin, Mat Andini Fahyuni Arif Ardinata Atim Hariyadi Bagas Olanda Beneta Salwa Salsabela Brillyan Gita Abigamika Arimbawa Deseria, Rita Devita Sari Ella Zuhairina Firdaus Fadhilah Dwi Hani Fajar Wahyu Prasetyo Fajar Wahyu Prasetyo Fitri Nurmasari Hafiz, Abdul Hariberthus Wicaksono Heriberthus Wicaksono Iman Santoso Jimmy Andhika Akbar Jufri Sani Akbar Juhari Hasan Khairunnisa Khairunnisa Mahmudah Mahmudah Maulana, Rafli Maulida Rahma Miftahul Arifin Muhamad Aziz Zulkifli Muhammad Firliadi Noor Salim Mulyani, Tuty Mustika Muthaharah, Mustika Nanang S Nashihah, Siti Nur Hidayati Olanda, Bagas Panca Tuah Tuha Pradana, Sapta Rizki PUTRI WULANDARI Putri, Desi Yunita Rahmani, Nila Ratna Wulandari Ratna Wulandari Raup Padillah Rezky Nefianthi Rizqiannoor, Muhammad Roy Haris Oktabian Sri Wahyuni Srimelani, Febrianti Suaryansyah, Berandi Sugeng Hadi Purnoto Suhardi Suhardi Thirza Ayu Nirmala Tiara Aninditha Tiara Nahda Wati TRI MULYATI Wahyu Prasetyo, Fajar wirahadikesuma, ikhwan Wulandari, Putrie Yulanda, Siti Ayu Yulianti Hidayah