Manajemen Keuangan dan Perilaku Menabung pada Keluarga Petani

Abstract

Economic problem is a crucial issue and most experienced by farmer families, thus it becomes important to properly manage the family finances. The aim of this study was to analyze the influence of financial management and saving behavior in farmer families. This research using cross-sectional design conducted in Ciaruteun Ilir Village with purposive selection location. The study was performed in 70 randomly selected family with working mothers. The results showed that financial management of farmer family is poorly. A total of 71.4 percent of farmer families performs activities saving, but not all of the family routinely save. The results of multiple linear regression showed that the bigger of the family size would reduce family financial management, but the amount of assets and the higherof family income would increase family financial management. Logistic regression results showed that family with better financial management are more likely to have a family savings and to save more often. Furthermore, the bigger of family size would reduce the value of savings and the higher of family income would increase the value of savings.