Optimizing Career Woman's Financial Management Through Monthly Budget and Fintech
Optimalisasi Manajemen Keuangan Wanita Karier Melalui Anggaran Bulanan dan Fintech
Abstract
General Background: The financial management landscape for career women has evolved significantly in the digital era, particularly with the rise of financial technology (fintech). Specific Background: The integration of fintech facilitates budgeting and expense tracking, allowing career women to manage their finances more effectively. However, while fintech offers convenience, it may also contribute to impulsive spending behavior due to easy access to funds. Knowledge Gap: Existing literature lacks a comprehensive understanding of how career women utilize fintech for financial management and the implications of this technology on their budgeting practices. Aims: This study aims to explore the financial management strategies employed by career women in the digital era, focusing on budgeting, the application of accounting in household finances, and the impacts of fintech on their financial behaviors. Results: Career women effectively manage their finances through monthly budgets, reducing stress and achieving financial goals, but the convenience of fintech can increase wasteful expenditure. Novelty: This research contributes new insights into the intersection of career women's financial management, accounting practices, and fintech, addressing a critical gap in the literature. Implications: The study emphasizes the need for financial education for career women, emphasizing balanced practices to maximize fintech benefits and reduce impulsive spending, promoting financial stability and empowerment.
Highlights:
- Budgeting aids career women in spending control and goal achievement.
- Fintech simplifies transactions, improving financial management efficiency.
- Ease of use may lead to impulsive spending behavior.
Keywords: financial management, career women, fintech, budgeting, digital era
Downloads
Metrics
References
B. Raharjo, FINTECH: TEKNOLOGI FINANSIAL PERBANKAN DIGITAL. Semarang: Yayasan Prima Agus Teknik, 2021.
T. Inda Fadhila Rahma, “PERSEPSI MASYARAKAT KOTA MEDAN TERHADAP PENGGUNAAN FINANCIAL TECHNOLOGY (FINTECH),” At-Tawassuth J. Ekon. Islam, vol. 3, No. 1, 2018.
Hafizah Awalia, Saipul Hamdi, and Arif Nasrullah, “Penyuluhan Literasi Keuangan Digital Pada Perempuan di Desa,” J. Ilm. Pengabdi. dan Inov., vol. 1, no. 2, pp. 105–114, 2022, [Online]. Available: https://journal.insankreasimedia.ac.id/index.php/JILPI
S. Rif’ah, “Fenomena Cashless Society Di Era Milenial Dalam Perspektif Islam,” Al-Musthofa J. Sharia Econ., vol. 2 Nomor 1, 2019.
N. T. Herawati, P. S. Kurniawan, E. Sujana, P. E. D. M. Dewi, and L. G. K. Dewi, “Pemanfaatan Financial Technology Dalam Pengelolaan Keuangan Usaha Mikro Dan Kecil,” CARADDE J. Pengabdi. Kpd. Masy., vol. 2, no. 2, pp. 179–186, 2019, doi: 10.31960/caradde.v2i2.281.
K. Raharjo et al., “Pemanfaatan Financial Technology dalam Pengelolaan Keuangan pada UMKM di Wilayah Depok,” J. Pengabdi. Masy. Madani, vol. 2, no. 1, pp. 67–77, 2022, doi: 10.51805/jpmm.v2i1.70.
Otoritas Jasa Keuangan, “Peraturan OJK No. 13/POJK.02/2018 Tentang Inovasi Digital di Sektor Jasa Keuangan,” Otoritas Jasa Keuang., pp. 1–29, 2018, [Online]. Available: http://www.ojk.go.id/id/kanal/iknb/regulasi/lembaga-keuangan-mikro/peraturan-ojk/Documents/SAL-POJK Perizinan Final F.pdf
B. Ismanto and M. R. Wijaya, “PERSPEKTIF HUKUM ISLAM ( Studi Kasus Kehidupan Keluarga TKW di Kabupaten Lampung Timur ) STIS Darul Ulum Lampung Timur & IAIN Padangsidimpuan FITRAH Jurnal Kajian Ilmu-ilmu Keislaman Perkawinan ialah saling mendapat hak dan kewajiban serta bertujuan menga,” vol. 04, no. 2, pp. 397–416, 2018.
D. P. E. Nilakusmawati and M. Susilawati, “Studi Faktor-Faktor Yang Mempengaruhi Wanita Bekerja Di Kota Denpasar,” Piramida, vol. VIII, no. 1, pp. 26–31, 2012.
H. Studies, K. Salsabila, and P. N. Nabila, “PENAFSIRAN MAQASHID SYARIAH,” vol. 6, no. 1, pp. 58–74, 2023.
F. Tamara, “Strategi Dosen Perempuan UNISSULA Dalam Melakukan Peran Ganda Sebagai Wanita Karir Dan Ibu Rumah Tangga,” Skripsi, 2022.
M. A. Rizqi and S. A. Santoso, “Peran Ganda Wanita Karir Dalam Manajemen Keluarga,” Manajerial, vol. 9, no. 01, p. 73, 2022, doi: 10.30587/manajerial.v9i01.3483.
I. Subaida, “Pelatihan Manajemen Kas Rumah Tangga Untuk Mencegah Kegagalan Keuangan Rumah Tangga (Family Financial Distress),” INTEGRITAS J. Pengabdi., vol. 3, no. 1, p. 8, 2019, doi: 10.36841/integritas.v3i1.348.
F. Ekonomi and U. Widyatama, “MM jimrnisinto~yaiam ac.”.
H. Halpiah, H. A. Putra, and B. R. M. Ulfah, “Pengelolaan Keuangan Keluarga di Masa Pandemi Covid-19,” J. Community Dev., vol. 2, no. 1, pp. 43–48, 2021, doi: 10.47134/comdev.v2i1.29.
R. Nurdiansari and A. Sriwahyuni, “144-Article Text-559-1-10-20220615,” vol. 2, no. 1, pp. 27–34, 2020.
D. Northcott and B. Doolin, “Home accountants: Exploring their practices,” Accounting, Audit. Account. J., vol. 13, no. 4, pp. 475–501, 2000, doi: 10.1108/09513570010338267.
C. Smithikrai and T. Phetkham, “How leader-follower relations influence nurses’ intention to stay: An investigation in a Thai sample,” J. Soc. Sci. Res., vol. 5, no. 1, pp. 183–189, 2019, doi: 10.32861/jssr.51.183.189.
D. M. Hanami Delsi, M. Afrianti, N. Azzahra Zl, and Z. A. Zul Azmi, “Kemanfaatan Financial Technology Pada Pengelolaan Keuangan Rumah Tangga,” J. Akuntansi, Keuang. dan Teknol. Inf. Akunt., vol. 3, no. 1, pp. 458–470, 2022, doi: 10.36085/jakta.v3i1.3568.
A. N. Yushita, “Pentingnya Literasi Keuangan Bagi Pengelolaan Keuangan Pribadi,” Nominal, Barom. Ris. Akunt. dan Manaj., vol. 6, no. 1, 2017, doi: 10.21831/nominal.v6i1.14330.
N. Anggraini, “Peran Finansial Teknologi Dalam Meningkatkan Kualitas Pelayanan Pada Bank Muamalat Cabang Bengkulu,” Skripsi, 2019.
M. P. Hasanah, A. N. W. Ariza, M. F. Fahriza, and A. T. D. Aryani, “Analisis Penerapan Akuntansi Dalam Pengelolaan Keuangan,” vol. 2, no. 1, pp. 42–54, 2023.
L. M. N. Puspita, I. Coryanata, F. Marietza, and S. Bahri, “Literasi Digital Dalam Rangka Peningkatan Kemampuan Manajemen Keuangan Keluarga Bagi Ibu-Ibu Rumah,” Abdi Reksa, vol. 2, no. 2, pp. 7–14, 2021.
D. Cardona, S. & Handayani, Swaludin, D. M. Ahmad, and M. I. Nasution, “Penyuluhan Pengelolaan Keuangan Keluarga Pada Ibu Rumah Tangga Di Kelurahan Sei Agul Empowerment : Jurnal Pengabdian Masyarakat,” Pengabdi. MasyarakatEmpowerement J., vol. 1, no. 1, pp. 8–13, 2022.
N. I. Widiantara, Akuntansi dalam Pengelolaan Keuangan Rumah Tangga Wanita Karier di Era Digital Financial Technology. Universitas Negeri Malang, 2021.
L. J. Moleong, Metodologi Penelitian Kualitatif, Edisi Revi. Bandung: PT Remaja Rosdakarya, 2017.
S. Hermawan & Amirullah, Metode Penelitian Bisnis: Pendekatan Kuantitatif & Kualitatif. 2016.
M. S. D. H. Zuchri Abdussamad, S.I.K., Metode Penelitian Kualitatif. Syakir Media Press, 2021.
E. W. Winarni, Teori dan Praktik: Penelitian Kuantitatif Kualitatif. Bengkulu: Bumi Aksara, 2018.
Hardani, Metode Penelitian: Kualitatif & Kuantitatif. Yogyakarta: CV. Pustaka Ilmu, 2020.
R. P. Nawang Sari and A. Anton, “Wanita Karier Perspektif Islam,” SANGAJI J. Pemikir. Syariah dan Huk., vol. 4, no. 1, pp. 82–115, 2020, doi: 10.52266/sangaji.v4i1.446.
A. Muamar, “Wanita Karir Dalam Prespektif Psikologis Dan Sosiologis Keluarga Serta Hukum Islam,” Equal. J. Pus. Stud. Gend. dan Anak, vol. 1, no. 1, p. 21, 2019, doi: 10.24235/equalita.v1i1.5153.
S. Kasus, W. Karir, and D. I. Unissula, “Pengelolaan keuangan keluarga (studi kasus wanita karir di unissula),” no. 30501900051, 2023.
B. A. B. Ii and A. L. Teori, “Analisis Pengaruh Literasi …, Bintang Ainul Hidayah, Fakultas Ekonomi dan Bisnis UMP, 2020,” pp. 12–34, 2019.
A. Putra, S. Handayani, and A. Pambudi, “Perilaku Pengendalian Diri Pada Perilaku Manajemen,” Sustain. Compet. Advantage, 3., 2013.
Maizul Rahmizal, Aminar Sutra Dewi, Habibatul Hidayati, Suci Handayani, Winda Yuliastuti, and Venny Gusmainy, “Penyuluhan Manajemen Keuangan Untuk Meningkatkan Perekonomian Keluarga Di Masa Pandemi Covid-19,” J. Community Serv., vol. 4, no. 1, pp. 014–019, 2022, doi: 10.56670/jcs.v4i1.74.
L. Nofianti and A. Denziana, “Manajemen Keuangan Keluarga,” Marwah J. Perempuan, Agama dan Jender, vol. 9, no. 2, p. 192, 2010, doi: 10.24014/marwah.v9i2.481.
Rodhiyah, “Manajemen Keuangan Keluarga Guna Menuju Keluarga Sejahtera,” Dosen Jur. ilmu Adm. Bisnis Fisip Undip Semarang, no. 1, pp. 1–6, 2006.
F. Nur Mika, “Penerapan akuntansi dalam rumah tangga (fenomena pada ibu rumah tangga Di desa pamolokan kabupaten Sumenep),” Artik. Ilm., 2018.
M. Mahyarni, “Theori TRA Behavior(Sebuah Kajian Historis tentang Perilaku),” J. El- Rizasah, vol. 4, no. 1, pp. 13–23, 2013, [Online]. Available: https://ejournal.uin-suska.ac.id/index.php/elriyasah/article/view/17/0
S. K. F. Wibowo, “Penerapan Akuntansi dalam Rumah Tangga (Studi Fenomenologi pada Ibu Rumah Tangga di Desa Keboan Anom Kabupaten Sidoarjo),” Account. Anal. J., vol. 4, pp. 0–18, 2017, [Online]. Available: http://repository.ipb.ac.id/handle/123456789/57188
H. Purwanto, D. Yandri, and M. P. Yoga, “Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Perilaku Manajemen Keuangan Di Masyarakat,” Kompleks. J. Ilm. Manajemen, Organ. Dan Bisnis, vol. 11, no. 1, pp. 80–91, 2022, doi: 10.56486/kompleksitas.vol11no1.220.
T. A. Safitri, “Kontribusi Fintech Payment Terhadap Perilaku Manajemen Keuangan Di Masa Pandemi Covid-19,” J. Manaj. Dayasaing, vol. 23, no. 2, pp. 140–145, 2022, doi: 10.23917/dayasaing.v23i2.16207.
Copyright (c) 2024 Uswatun Hasanah, Ruci Arizanda Rahayu
This work is licensed under a Creative Commons Attribution 4.0 International License.