Perencanaan Keuangan Keluarga dengan Skala Prioritas dan Transparansi di Kota Pekanbaru
Abstract
Abstract
This research examines the importance of family financial planning by applying a priority scale and transparency in the context of Pekanbaru City. This research aims to understand how the use of priority scales and the application of transparency in family financial planning impact the achievement of financial goals and family dynamics. The research methods used include surveys and interviews to collect data on financial planning behavior, management of spending priorities, and the level of transparency among families in Pekanbaru. The research results show that transparency in family financial relationships has a positive impact on financial planning. With transparency, family members have a better understanding of the family's financial situation and the financial goals they want to achieve. The priority scale helps in allocating funds more effectively to achieve these goals. This positive impact is reflected in better achievement of financial goals, reduced conflict, and better collaboration in financial decision-making. This research has important implications for families in Pekanbaru City and society in general. By increasing transparency in sharing financial information and using a priority scale, families can plan their finances more effectively. The proposed recommendations include building open communication within the family, involving all family members in financial planning, and increasing financial education to make wiser financial decisions.
Keywords: Family Financial Planning, Priority Scale, Transparency, Financial Goals
Abstrak
Penelitian ini mengkaji pentingnya perencanaan keuangan keluarga dengan menerapkan skala prioritas dan transparansi dalam konteks Kota Pekanbaru. Tujuan dari penelitian ini adalah untuk memahami bagaimana penggunaan skala prioritas dan penerapan transparansi dalam perencanaan keuangan keluarga berdampak pada pencapaian tujuan keuangan dan dinamika keluarga. Metode penelitian yang digunakan meliputi survei dan wawancara untuk mengumpulkan data tentang perilaku perencanaan keuangan, pengelolaan prioritas pengeluaran, dan tingkat transparansi di kalangan keluarga di Pekanbaru. Hasil penelitian menunjukkan bahwa transparansi dalam hubungan keuangan keluarga memiliki dampak positif terhadap perencanaan keuangan. Dengan adanya transparansi, anggota keluarga memiliki pemahaman yang lebih baik tentang situasi keuangan keluarga dan tujuan-tujuan keuangan yang ingin dicapai. Skala prioritas membantu dalam mengalokasikan dana dengan lebih efektif untuk mencapai tujuan-tujuan tersebut. Dampak positif ini tercermin dalam pencapaian tujuan keuangan yang lebih baik, pengurangan konflik, dan kolaborasi yang lebih baik dalam pengambilan keputusan keuangan. Penelitian ini memiliki implikasi penting bagi keluarga di Kota Pekanbaru dan masyarakat umumnya. Dengan meningkatkan transparansi dalam berbagi informasi keuangan dan menggunakan skala prioritas, keluarga dapat merencanakan keuangan mereka dengan lebih efektif. Rekomendasi yang diajukan termasuk membangun komunikasi yang terbuka dalam keluarga, melibatkan semua anggota keluarga dalam perencanaan keuangan, serta meningkatkan pendidikan finansial untuk membuat keputusan keuangan yang lebih bijaksana.
Kata Kunci: Perencanaan Keuangan Keluarga, Skala Prioritas, Transparansi, Tujuan Keuangan
References
Abdullah, D. R. W. (2017). Pengaruh Transparansi Terhadap Keputusan Keuangan Keluarga di Surabaya. Jurnal Administrasi Bisnis, 51(1),
Archuleta, K. L., & Fourie, E. (2010). Family financial management: A grounded theory analysis of family communication patterns. Financial Counseling and Planning, 21(1),
Attitudes, and Financial Knowledge on Marriage and Cohabitation. Financial Counseling and Planning, 21(1),
Badan Pusat Statistik Kota Pekanbaru. (2022). Profil Ekonomi Kota Pekanbaru Tahun 2022.
Belsky, E. S., & Gilovich, T. (1999). Why Smart People Make Big Money Mistakes and How to Correct Them: Lessons from the New Science of Behavioral Economics. Simon & Schuster.
Berg, G. K., & Zinman, J. (2017). Intended and unintended effects of youth-focused unconditional cash transfers in South Africa. National Bureau of Economic Research.
Bernheim, B. D., Garrett, D. M., & Maki, D. M. (2001). Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates. Journal of Public Economics, 80(3),
Brown, M. (2020). Prioritization Strategies for Effective Financial Planning. Financial Management Journal, 25(4),
Candra, E. (2022). Dampak Pandemi Covid 19 Terhadap Sektor Umkm Di Pekanbaru. Jurnal Ar-Ribhu, 5(1), 363-371.
Charness, G., & Gneezy, U. (2009). Incentives to exercise. Econometrica
Doherty, R. W., & Needle, R. H. (1991). Psychological aspects of financial conflict and financial planning in couples. Journal of Family and Economic Issues, 12(2),
Federal Reserve Education. (2023). Benefits of Financial Planning.
Gutter, M., Garrison, S., & Copur, Z. (2010). The Influence of Financial Practices, Financial
Hapsari, R. N., & Wulandari, A. A. (2019). Pentingnya Transparansi dalam Manajemen Keuangan Keluarga. Jurnal Ilmiah Manajemen Bisnis dan Terapan, 3(1)
Hurd, M. D. (2009). The predictive validity of subjective probabilities of survival. The Economic Journal
Januarti, I., & Nawangsari, L. D. (2018). Faktor-Faktor yang Mempengaruhi Perencanaan
Kaplan, R. (2003). The Myth of the Rational Market: A History of Risk, Reward, and Delusion on Wall Street. Penguin.
Ku, A. K. C., & Hanna, S. D. (1995). Gender, Family Structure, and Personal Financial Planning. Journal of Financial Counseling and Planning, 6(1),
Keuangan Keluarga di Indonesia. Jurnal Keuangan dan Perbankan, 22(1), 102-112.
Lyons, A. C., Palmer, L., Jayaratne, K. S. U., & Scherpf, E. (2006). Are We Making the Grade? A National Overview of Financial Education and Program Evaluation. Journal of Consumer Affairs, 40(2),
Grable, J. E., Britt, S. L., & Lytton, R. H. (2004). The Development of a Measure of Financial Risk Tolerance. Financial Services Review, 13(4),
Gutter, M., Garrison, S., & Copur, Z. (2010). The Influence of Financial Practices, Financial Attitudes, and Financial Knowledge on Marriage and Cohabitation. Financial Counseling and Planning, 21(1),
Hawkins, A. J., Dollahite, D. C., Draper, T. W., & Allan, S. (2008). Building a foundation for family financial security: The importance of financial management practices and communication. Journal of Marriage and Family, 70(4),
Hira, T. K., & Mugenda, O. M. (1998). The Influence of Perceived Spending Practices, Financial Attitudes, and Financial Knowledge on Credit Card and Charge Card Management Practices. Journal of Consumer Affairs, 32(2),
Hirshleifer, D., & Shumway, T. (2003). Good day sunshine: Stock returns and the weather. The Journal of Finance.
Huston, S. J. (2010). Measuring Financial Literacy. The Journal of Consumer Affairs, 44(2),
Johnson, A. (2022). Effective Budgeting Strategies for Families. Financial Management Quarterly, 18(2),
Kivetz, R., & Simonson, I. (2002). Earning the right to indulge: Effort as a determinant of customer preferences toward frequency program rewards. Journal of Marketing Research.
Lusardi, A., & Mitchell, O. S. (2014). The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, 52(1)
Manganiello, J. A., & Chatterjee, S. (2007). The Theory of Reasoned Action as a Model of Financial Planning Behavior. Journal of Financial Counseling and Planning, 18(1),
National Endowment for Financial Education. (2019). Financial Planning Process
National Endowment for Financial Education. (2020). Family financial transparency: Talking money with your family. Retrieved from https://www.smartaboutmoney.org/Courses/My-Next-Move/Transparency
O'Neill, B., Sorhaindo, B., Xiao, J. J., & Garman, E. T. (2005). Financially Distressed Consumers: Their Financial Practices, Financial Well-Being, and Health. Financial Counseling and Planning, 16(2)
Remund, D. L. (2010). Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy. Journal of Consumer Affairs, 44(2)
Ritchie, J., & Lewis, J. (2003). Qualitative research practice: A guide for social science students and researchers
Sari, E. K., & Siregar, H. (2020). Analisis Pengaruh Skala Prioritas Terhadap Perencanaan Keuangan Keluarga. Jurnal Manajemen Dan Keuangan, 6(2), 207-215.
Supriatna, D., Candra, E., Adinugroho, I., Nasution, M. A., & Yanti, N. (2023). Pengaruh Kinerja UMKM Terhadap Pertumbuhan Ekonomi Kabupaten Sukabumi. Sanskara Ekonomi Dan Kewirausahaan, 1(02), 43-53.
Smith, J. (2021). The Role of Prioritization in Financial Planning. Journal of Personal Finance, 42(3),
Thaler, R. H., & Johnson, E. J. (1990). Gambling with the house money and trying to break even: The effects of prior outcomes on risky choice. Management Science.
Van Rooij, M. C., Lusardi, A., & Alessie, R. J. M. (2011). Financial Literacy, Retirement Planning, and Household Wealth. The Economic Journal, 121(556),
Xiao, J. J., Chen, C., & Sun, Z. (2018). Family Financial Socialization: Theory and Critical Review. International Journal of Consumer Studies, 42(3),
Yanti, N. (2021). Analisa Swot Terhadap Strategi Pengembangan Usaha Pada Raja Katering Pekanbaru Dan Ditinjau Dari Segi Bisnis Islam. Jurnal Ar-Ribhu, 4(2), 293-300.
Zeelenberg, M., & Pieters, R. (2004). Consequences of regret aversion in real life: The case of the Dutch postcode lottery. Organizational Behavior and Human Decision Processes.
Copyright (c) 2023 Novi Yanti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
