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All Journal Jurnal Ilmu Keluarga dan Konsumen International Journal of Economics (IJEC)
Ajrania, Sri
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Economics, Econometrics & Finance Education Nursing Public Health Social Sciences

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Analysis of Financial Management and Subjective Well-Being of Bank Emok Customer Families in Bandung City, West Java Ajrania, Sri; Sunarti, Euis; Herawati, Tin
International Journal of Economics (IJEC) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v2i2.714

Abstract

Facing rising prices requires effective financial management to improve family welfare. Low income and having difficulty making ends meet can often cause people to go into debt. It is essential to achieve a good balance between income and debt by understanding the limits of one's ability to pay and utilizing debt wisely for productive purposes. The purpose of the study was to gain an understanding of family characteristics and debt characteristics that become Bank Emok customers and analyze the relationship and influence of family characteristics, debt characteristics, financial management and subjective welfare. This study used a purposive cross-sectional study design with respondents of as many as 60 wives from complete families who became customers of Bank Emok. The results of the relationship test (correlation) showed that the age of the wife was significantly negatively associated with financial management. The length of marriage was significantly positively related to the amount of debt. Income is completely considerably associated with financial management and subjective well-being. The results of the influence test with Structural Equation Modeling show that the application of sound financial management practices can make a positive contribution to emotional well-being (β= 0.561**; t > 1.96).
Analysis of Financial Management and Subjective Well-Being of Bank Emok Customer Families in Bandung City, West Java Ajrania, Sri; Sunarti, Euis; Herawati, Tin
International Journal of Economics (IJEC) Vol. 2 No. 2 (2023): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v2i2.714

Abstract

Facing rising prices requires effective financial management to improve family welfare. Low income and having difficulty making ends meet can often cause people to go into debt. It is essential to achieve a good balance between income and debt by understanding the limits of one's ability to pay and utilizing debt wisely for productive purposes. The purpose of the study was to gain an understanding of family characteristics and debt characteristics that become Bank Emok customers and analyze the relationship and influence of family characteristics, debt characteristics, financial management and subjective welfare. This study used a purposive cross-sectional study design with respondents of as many as 60 wives from complete families who became customers of Bank Emok. The results of the relationship test (correlation) showed that the age of the wife was significantly negatively associated with financial management. The length of marriage was significantly positively related to the amount of debt. Income is completely considerably associated with financial management and subjective well-being. The results of the influence test with Structural Equation Modeling show that the application of sound financial management practices can make a positive contribution to emotional well-being (β= 0.561**; t > 1.96).
KEINGINAN KELUARGA MENGHENTIKAN PINJAMAN BANK EMOK: POTRET TEKANAN EKONOMI, MANAJEMEN KEUANGAN, DUKUNGAN SOSIAL, DAN LINGKUNGAN KELUARGA: Families' Desire to Cease Bank Emok Loans: An Examination of Economic Pressure, Financial Management, Social Support, and Family Environment Sunarti, Euis; Ajrania, Sri; Pranadji, Diah Krisnatuti; Siswanto, Agus; Hambari; Musthofa; Istighfarani, Syifa
Jurnal Ilmu Keluarga dan Konsumen Vol. 17 No. 3 (2024): JURNAL ILMU KELUARGA DAN KONSUMEN 17.3
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24156/jikk.2024.17.3.247

Abstract

Banyak keluarga terjebak menjadi nasabah Bank Emok dalam waktu cukup lama dan memberikan tekanan kepada keluarga. Penelitian ini bertujuan untuk mengelaborasi keinginan menghentikan pinjaman dari Bank Emok dan faktor yang memengaruhinya (tekanan ekonomi, manajemen keuangan, dukungan sosial, dan lingkungan keluarga). Penelitian ini melibatkan 120 keluarga nasabah Bank Emok di Kabupaten dan Kota Bogor. Keluarga ingin menghentikan pinjaman dengan segera menyelesaikan cicilan (90%) dan tidak ingin meminjam lagi (85%). Tekanan ekonomi keluarga cukup tinggi. Sebagian besar keluarga tidak memiliki tabungan yang cukup untuk enam bulan kebutuhan keluarga. Sebagian besar pendapatan keluarga lebih kecil dari pengeluaran. Hampir semua keluarga berutang kurang dari 50 persen aset keluarga. Alasan utama keluarga berutang untuk modal usaha dan kebutuhan darurat keluarga. Keluarga paling sering meminta dukungan atau bantuan dari keluarga besar dan tetangga. Keluarga mengaku mengenal baik masyarakat, saling hormat, dan peduli pada lansia. Hasil PLS menunjukkan bahwa makin tinggi skor tekanan ekonomi, manajemen keuangan, dukungan sosial, dan lingkungan keluarga, maka makin tinggi keinginan menghentikan pinjaman. Keluarga disarankan untuk meningkatkan manajemen keuangannya, utamanya dengan menabung untuk kebutuhan baik yang sudah diketahui maupun kebutuhan darurat.
Co-Authors Agus Siswanto Diah Krisnatuti Euis Sunarti Hambari, Hambari Istighfarani, Syifa musthofa