Household Budget Management Based on Priorities and Monthly Planning

Authors

  • I Made Aryata Universitas Pamulang
  • I Gede Marendra Universitas Pamulang
  • Irmawan Afghani Universitas Pamulang

DOI:

https://doi.org/10.55927/jpp.v5i2.12

Keywords:

Priority List, Household Management, Financial Literacy

Abstract

Changes in economic dynamics, rising prices of basic necessities, and an increasingly consumerist lifestyle pose challenges for household financial management. Low financial literacy means that many families lack proper financial planning, emergency funds, and systematic budget management. This situation is further exacerbated by inflation, which erodes people’s purchasing power. Therefore, education in household financial management is essential to enhance families’ ability to prioritize needs, manage income effectively, and develop sustainable financial plans. With sound financial management, families are expected to improve their economic resilience and prepare for financial risks arising from unforeseen circumstances.

References

CFP Board. (2019). Financial planning competency handbook. Wiley.

Gitman, L. J., & Zutter, C. J. (2015). Principles of managerial finance (14th ed.). Pearson.

Kapoor, J. R., Dlabay, L. R., & Hughes, R. J. (2012). Personal finance (10th ed.). McGraw-Hill.

Otoritas Jasa Keuangan. (2022). Perencanaan keuangan keluarga. OJK

Bank Indonesia. (2023).

Otoritas Jasa Keuangan. (2022). Perencanaan keuangan keluarga. OJK.

World Bank. (2021). Financial consumer protection and resilience report. World Bank Publications.

CFP Board. (2024). Guide to financial resilience and emergency planning.

Gitman, L. J., & Zutter, C. J. (2015). Principles of managerial finance (14th ed.). Pearson.

Kapoor, J. R., Dlabay, L. R., & Hughes, R. J. (2012). Personal finance (10th ed.). McGraw-Hill.

OECD. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing.

Otoritas Jasa Keuangan. (2022). Perencanaan keuangan keluarga. OJK.

Atkinson, A., & Messy, F. (2021). Measuring financial literacy: Results of the OECD/INFE survey. OECD Publishing.

Lusardi, A. (2020). Financial literacy and the need for financial education: Evidence and implications. Swiss Journal of Economics and Statistics, 156(1), 1–8.

OECD. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing.

Otoritas Jasa Keuangan. (2022). Strategi nasional literasi keuangan Indonesia. OJK.

World Bank. (2021). Financial capability and resilience report. World Bank Publications.

Mankiw, N. G. (2021). Principles of economics (9th ed.). Cengage Learning

Samuelson, P. A., & Nordhaus, W. D. (2019). Economics (20th ed.). McGraw-Hill Education

United Nations Development Programme. (2022). Human development report 2022: Uncertain times, unsettled lives. UNDP.

Kotler, P., & Keller, K. L. (2022). Marketing management (16th ed.). Pearson

Solomon, M. R. (2021). Consumer behavior: Buying, having, and being (13th ed.). Pearson

Published

2026-06-30

How to Cite

Aryata, I. M., Marendra, I. G., & Afghani, I. (2026). Household Budget Management Based on Priorities and Monthly Planning. Jurnal Pengabdian Pancasila (JPP), 5(2), 79–88. https://doi.org/10.55927/jpp.v5i2.12

Issue

Section

Articles