Pengaruh Tekanan Ekonomi Dan Manajemen Keuangan Terhadap Kesejahteraan Subjektif Keluarga Single Earner Dan Dual Earner

Abstract

Tekanan ekonomi dan perubahan pola pencari nafkah keluarga memengaruhi kesejahteraan subjektif keluarga. Penelitian ini bertujuan menganalisis tekanan ekonomi, manajemen keuangan, dan kesejahteraan subjektif pada keluarga single earner dan dual earner. Penelitian menggunakan desain cross-sectional study pada 95 keluarga yang dipilih secara purposive sampling. Data dikumpulkan menggunakan instrumen TEKAN-GA, MANKEU-GA, dan TERA-GA serta dianalisis menggunakan analisis deskriptif, uji Mann–Whitney, korelasi Spearman, dan regresi linear berganda. Hasil menunjukkan bahwa keluarga dual earner memiliki tekanan ekonomi subjektif lebih tinggi, sedangkan keluarga single earner memiliki manajemen keuangan dan kesejahteraan subjektif lebih tinggi. Tekanan ekonomi berpengaruh negatif, sedangkan manajemen keuangan berpengaruh positif dan menjadi faktor utama kesejahteraan subjektif keluarga.

Economic pressure and changes in family breadwinner patterns have influenced family subjective well-being. This study analyzed economic pressure, financial management, and subjective well-being among Single Earner and Dual Earner families. A cross-sectional study was conducted involving 95 families selected through purposive sampling. Data were collected using TEKAN-GA, MANKEU-GA, and TERA-GA instruments and analyzed using descriptive analysis, Mann–Whitney test, Spearman correlation, and multiple linear regression. The results showed that Dual Earner families experienced higher subjective economic pressure, while Single Earner families had better financial management and subjective well-being. Economic pressure negatively affected subjective well-being, whereas financial management had a positive effect and became the most consistent influencing factor.