Jurnal Ilmu Ekonomi Manajemen Perusahaan dan Bisnis
Vol 10 No 02 (2026): JURNAL ILMU EKONOMI (MANAJEMEN PERUSAHAAN) DAN BISNIS

ANALISIS STRATEGI PERENCANAAN KEUANGAN RUMAH TANGGA DALAM MENINGKATKAN KETAHANAN EKONOMI KELUARGA DI KOTA MUARA TEWEH

Arsuni Arsuni (Unknown)
Hesti Novaria (Unknown)



Article Info

Publish Date
30 Sep 2026

Abstract

This research aims to analyze the level of implementation of household financial planning strategies in Muara Teweh City from aspects of budget planning, savings, debt management, and investment; identify the family economic resilience conditions in facing routine needs and economic risks; and test the influence of financial planning strategies on family economic resilience. The study employs a qualitative approach with subjects being households in Muara Teweh City, population comprising all households in the area, and sample of 5 key informants through purposive sampling based on data saturation principle. Data were collected via in-depth interviews, observations, and literature review using semi-structured interview guides. Based on the research findings, the level of financial planning strategy implementation is relatively low (budget 45%, savings 38%, debt 42%, investment 25%), family economic resilience is moderate (expenditure stability 47%, emergency capability 40%), and financial planning strategies have a significant positive influence on resilience through cash flow control and financial literacy.

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Journal Info

Abbrev

JIMB

Publisher

Subject

Economics, Econometrics & Finance

Description

Jurnal ini memuat informasi hasil kegiatan penelitian pemikiran konseptual di bidang ilmu manajemen Perusahaan secara umum dan bisnis, jurnal ini diperuntukkan bagi dosen, peneliti, serta aktivis yang ingin mengkaji lebih dalam tentang ...