The Role of the Family Hope Program (PKH) in Enhancing Family Literacy and Financial Management from the Perspective of Islamic Economics
Abstract
As Financial Planner, women have a challenging task, as managing family finances is akin to regulating the heartbeat of married life, making financial literacy and management essential skills to possess. This research examines the role of the Family Hope Program (PKH) in educating aid recipients regarding financial management, focusing on female PKH aid recipients who must actively seek livelihoods. This study adopts a qualitative approach with a case study methodology. The research findings highlight the vital role of PKH in enhancing beneficiaries' financial management literacy, aligning with Islamic economics principles. It is evident in all informants demonstrating financial management practices adhering to Islamic economic principles. It includes using money, budgeting, setting aside emergency/savings funds investments, and managing credit/debt. These findings serve as a crucial reference for PKH support. Recommendations for future research include exploring the differences in financial management between active and non-working PKH aid recipients.
References
Anggita, W., Julia, Suhaidar, & Rudianto, N. A. R. (2020). Peningkatan Pemahaman Literasi Keuangan Di Era Pandemi Corona Sebagai Upaya Penguatan Ketahanan Ekonomi Keluarga. Jurnal Pengabdian Kepada Masyarakat UBB, 7(2), 7–11.
Apriyanto, M., & Ramli, M. (2020). Manajemen Keuangan Untuk Meningkatkan Perekonomian Keluarga Di Masa Pandemi Covid-19. Selodang Mayang: Jurnal Ilmiah Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir, 6(3), 145–152. https://doi.org/10.47521/selodangmayang.v6i3.188
Arnesih, A. (2016). Strategi Manajemen Keuangan Dalam Rumah Tangga (Berbasis Ekonomi Syariah ). HISTORIA: Jurnal Program Studi Pendidikan Sejarah, 1(1), 1–11. https://doi.org/10.33373/his.v1i1.387
Asni, A. (2018). Perempuan Kepala Keluarga Dan Pencari Nafkah Di Pasar Baruga Kota Kendari Dalam Perspektif Hukum Islam. Al-Izzah: Jurnal Hasil-Hasil Penelitian, 12(2), 67. https://doi.org/10.31332/ai.v12i2.641
Goso, G. (2022). PENGUATAN KETAHANAN KEUANGAN RUMAH TANGGA MELALUI LITERASI KEUANGAN PADA KELOMPOK PEREMPUAN PRA-SEJAHTERA DI MALATUNRUNG KOTA PALOPO. 1, 65–74.
Hakim, F. A., Sunarti, E., & Herawati, T. (2014). Manajemen Keuangan dan Kepuasan Keuangan Istri pada Keluarga dengan Suami Istri Bekerja. Jurnal Ilmu Keluarga Dan Konsumen, 7(3), 174–182. https://doi.org/10.24156/JIKK.2014.7.3.174
Joseph, C. N. (2020). Pengaruh Literasi Keuangan Dan Faktor Demografi Terhadap Perilaku Pengelolaan Keuangan Pribadi Pada Dosen-Dosen Fakultas Ekonomi Ukim. Jurnal Soso-Q, 8(1), 1–11. https://doi.org/10.30598/sosoq.v8i1.1073
Khotimah, K., & Isbanah, Y. (2019). Demografi, Faktor Individu, Dan Literasi Keuangan Wanita Karir Di Surabaya. Jurnal Ilmu Manajemen (JIM), 7(2), 551–563. https://jurnalmahasiswa.unesa.ac.id/index.php/jim/article/view/28265
Luthfi, M. (2019). Efektifitas Bantuan Sosial Program Keluarga Harapan Dalam Meningkatkan Kesejahteraan Keluarga. Jurnal Comm-Edu, 2(1), 81–89.
Mcknight, A. (2018). Financial resilience: measures, trends and policy options Work in Progress Motivation. March. https://ec.europa.eu/social/BlobServlet?docId=19262&langId=en
Natoli, R. (2018). Factors contributing to financial literacy levels among a migrant group: An analysis of the Vietnamese cohort. International Journal of Social Economics, 45(5), 729–744. https://doi.org/10.1108/IJSE-11-2016-0341
Nor, R., Sofa, S., & Mukhlisin, M. (2020). Analysis of Family Financial Management: Maqâshid Sharîa Approach. Journal of Islamic Economic Law, 4(2), 79–109.
Purniawati, R. T., & Lutfi, L. (2017). Literasi keuangan dan pengelolaan keuangan keluarga dalam perspektif budaya Jawa dan Bugis. Journal of Business & Banking, 7(1), 31–46. https://doi.org/10.14414/jbb.v7i1.963
Purwidianti, W., & Mudjiyanti, R. (2016). Analisis Pengaruh Pengalaman Keuangan Dan Tingkat Pendapatan Terhadap Perilaku Keuangan Keluarga Di Kecamatan Purwokerto Timur. Benefit: Jurnal Manajemen Dan Bisnis, 1(2), 141. https://doi.org/10.23917/benefit.v1i2.3257
Rahman, M., Isa, C. R., Masud, M. M., Sarker, M., & Chowdhury, N. T. (2021). The role of financial behavior, financial literacy, and financial stress in explaining the financial well-being of B40 group in Malaysia. Future Business Journal, 7(1), 1–18. https://doi.org/10.1186/s43093-021-00099-0
Rahmawati, F. (2017). REFLEKSI RENDAHNYA LITERASI KEUANGAN DI KALANGAN BURUH PABRIK: PENYEBAB DAN AKIBAT (Studi Kasus Buruh Pabrik di Kota Probolinggo). Jurnal Ilmiah Mahasiswa FEB, 5(2). https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/4278
Satuti, A. W. (2015). Literasi keuangan pada masyarakat penerima bantuan Program Keluarga Harapan (PKH) di Desa Manduro Manggunggajah Kecamatan Ngoro Kabupaten Mojokerto. http://repository.um.ac.id/id/eprint/41914
Sekar.M, & Gowri.M. (2015). A Study on Financial Literacy and its Determinants among Gen Y Employees in Coimbatore City. International Journal of Scientific and Research Publications, 12(9), 289–295. https://doi.org/10.29322/ijsrp.12.09.2022.p12938
Shahreza, D., Shahreza, D., & Lindiawatie, L. (2020). Analisis Tingkat Literasi Keuangan Perempuan Single Parent RW 08 Depok 2 Timur. Sosio E-Kons, 12(1), 19–31. https://doi.org/10.30998/sosioekons.v12i1.5653
Yushita, A. N. (2017). Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi. Nominal, Barometer Riset Akuntansi Dan Manajemen, 6(1), 11–26. https://doi.org/10.21831/nominal.v6i1.14330
Zamrodah, Y. (2016). Cerdas Mengelola Keuangan. 15(2), 1–23.
ZR, R. A., Hasanah, N., & Zakaria, A. (2017). Perencanaan Keuangan Syari’Ah Dalam Upaya Meningkatkan Kemampuan Manajemen Keuangan Keluarga Pada Anggota Majelis Ta’Lim. Sarwahita, 14(01), 26–34. https://doi.org/10.21009/sarwahita.141.04
Zunaidi, A., & Maghfiroh, F. L. (2021). The role of women in improving the family economy. 8(1), 61–79.
Copyright (c) 2023 Kontigensi : Jurnal Ilmiah Manajemen
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
By exercising the Licensed Rights, You accept and agree to be bound by the terms and conditions of this Creative Commons Attribution-NonCommercial 4.0 International Public License.