Household Financial Management of Micro, Small, Medium Enterprises [Manajemen Keuangan Rumah Tangga Usaha Mikro Kecil Menengah]

Abstract

Financial management is not only needed in large businesses but starts from households, especially in MSME households. This study aims to determine self-awareness to conduct financial management in the household and the application of financial management in the families of MSME families in Taman Sari Village which is a tourist village, the community is a small trader/entrepreneur. This research is a qualitative descriptive study using in-depth interview techniques and focuses group discussions on 35 respondents from married women of various backgrounds and informal sector jobs, primary data to complement and strengthen the analysis of perceptions, opinions of home managers stairs. This study resulted in the majority of the community having the motivation and awareness to get a better economic life but not followed by planning and implementation in conducting good financial management in the household, around 22.9% of respondents who had made plans for future financial goals and has recorded all income, made financial decisions without thinking so much that many have loans, about 25.7% of respondents discuss financial problems with their husbands. The contribution of this research is an input for policymakers and further research to conduct more in-depth research related to financial management in MSME households.