ANALISIS PENGELOLAAN KEUANGAN KELUARGA DALAM PERSPEKTIF ISLAM
Keywords:
Family, Management, Finance, Islam
Abstract
Pengelolaan keuangan keluarga memiliki peran yang sangat penting dalam menciptakan stabilitas ekonomi dan kesejahteraan bagi anggota keluarga. Akan tetapi masih banyak keluarga yang kurang baik dalam pengelolaan keuangan sehingga sering terjadi permasalahan dalam berumah tangga. Penelitian ini bersifat deskriptif kualitatif berdasarkan pengumpulan data primer. Data diperoleh melalui teknik triangulasi yang memadukan observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa terdapat beberapa hal yang harus diperhatikan dalam pengelolaan keuangan keluarga, yaitu: Pertama menyiapkan perencanaan keuangan keluarga yang baik. Kedua memperhatikan sumber perdapatan keluarga yang baik dan halal. Ketiga mengelola keuangan keluarga dengan baik seperti memperhatikan hawa nafsu, hidup hemat dan sederhana, menyeimbangkan pemasukan dan pengeluaran, menentukan tujuan keuangan keluarga, menentukan skala prioritas keuangan, berinfaq, dan menyimpan uang, serta melakukan investasi untuk jangka panjang. Penelitian ini diharapkan dapat menjadi pedoman keluarga muslim dalam mengelola keuangan keluarga, sehingga bisa terhindar dari berbagai permasalahan yang disebabkan oleh pengelolan keuangan yang tidak baik.
References
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Diyanti, R. A. R., & Suprayogi, N. (2019). Manajemen Keluarga Muslim Nelayan Desa Puger, Kabupaten Jember. Jurnal Ekonomi Syariah Teori Dan Terapan, 6(7), 1365–1384.
Endrianti, R. D., & Laila, N. (2016). Pengelolaan Keuangan Keluarga Secara Islam pada Keluarga Muslim Etnis Padang dan Makassar di Surabaya. Jurnal Ekonomi Syariah Teori Dan Terapan, 3(7), 315342.
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Ksendzova, M., Donnelly, G. E., & Howell, R. T. (2017). A Brief Money Management Scale and Its Associations with Personality, Financial Health, and Hypothetical Debt Repayment. Journal of Financial Counseling and Planning, 28(1), 62–75.
Mahadi, N. A., Mazli, S. A., & Muneeza, A. (2019). Islamic Financial Wealth Management: Empowering Women in Islamic Societies. International Journal of Management and Applied Research, 6(3), 116–129.
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Muawanah, R., Sukma, D., Kalam, A. Z., & Latifah, E. (2021). The Contribution of Behavior Accounting with the Sakinah Finance Approach to the Financial Management of Islamic Families. Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman, 9(1), 93–105.
Muchtar, A. H., Maulidizen, A., & Safaah, A. (2022). ‘Am and Khaṣ Linguistic Method Concept and Implementation in Islamic Law Determination. Al Mashalih-Journal of Islamic Law, 3(1), 1–26.
Nadhiroh, U., & Mukhlis, I. (2023). Family Financial Management Behavior in Housewives (A Phenomenological Review). Formosa Journal of Science and Technology, 2(12), 3161–3174.
Ningsih, P. A., Mukhlisin, M., & Nelli, J. (2022). Family Financial Management in Realizing Sakinah Family. In Wealth Management and Investment in Islamic Settings: Opportunities and Challenges (pp. 151–164). Springer.
Ningsih, P. A., Rosmanidar, E., & Nijal, L. (2023). Financial Behavior of Muslim Families" Analysis of Theory of Reasoned Action (TRA)". Proceedings of the International Conference of Islamic Economics and Business (ICONIES), 9(1), 833–840.
Priantinah, D., Aisyah, M. N., & Nurim, Y. (2019). The Analysis of Technology Acceptance Model (TAM) for Personal Financial Management on Mobile Application Technology. International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018), 262–266.
Pusparini, M. D. (2023). Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household. Al-Tijary, 8(1), 15–30. https://doi.org/10.21093/at.v8i1.5040
Rianto, H., Olivia, H., & Siregar, S. (2019). Islamic Family Financial Management. Proceeding International Seminar on Islamic Studies, 1(1).
Rifa’i, M. N. (1999). Kemudahan dari Allah: ringkasan tafsir ibnu katsir. Gema Insani.
Shabrina, A., Farhan, M., & Heikal, J. (2022). An Ethnographic Study of Consumption, Saving, and Investment Patterns of Minang Millennial Parents in Jakarta with Islamic Wealth Management Perspective. Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah, 14(02), 149–164.
Siregar, I., & Sabrina, A. (2021). Representation of Religious Values in Gurindam Twelve and Their Relevances with Modern Era. International Journal of Cultural and Religious Studies, 1(1), 50–57.
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016a). Pengaruh Literasi Keuangan dan Lingkungan Sosial Terhadap Perencanaan Keuangan Pegawai di Universitas Islam Indonesia Yogyakarta. Madania: Jurnal Kajian Keislaman, 20(1), 115–128.
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016b). The Effect of Financial Literacy and Social Environment on Employee Financial Planning at the Islamic University of Indonesia Yogyakarta. Madania: Journal of Islamic Studies, 20(1), 115–128.
Sofa, R. N. S., & Mukhlisin, M. (2020). Analysis of Family Financial Management: Maqâshid Sharîa Approach. Al-Iktisab: Journal of Islamic Economic Law, 4(2), 79–109.
Syaikhu, S., Norwili, N., Maimunah, M., & Wahyunita, L. (2021). The Empowerment of Infaq and Waqf Evaluation in light of Maqasid al-Sharia Perspective in Mosques in Palangka Raya, Indonesia. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 5(2), 1003. https://doi.org/10.22373/sjhk.v5i2.8997
Tkachenko, V., Kwilinski, A., Kaminska, B., Tkachenko, I., & Puzyrova, P. (2019). Development and Effectiveness of Financial Potential Management of Enterprises in Modern Conditions. Financial and Credit Activity Problems of Theory and Practice, 3(30), 85–94.
Ulfah, M., Ningsih, P. A., & Istiqomah, K. (2023). Analisis Manajemen Keuangan Keluarga di Desa Sebrang Sanglar Kecamatan Reteh. Journal of Student Research, 1(6), 188–214.
Utami, W., & Abdullah, A. (2023). Flexing dalam Pandangan Islamic Behavioral Finance. Jurnal Ilmiah Ekonomi Islam, 9(3), 3502–3510.
Wahidin, W. (2023a). Financial Management of Young Families Within the Framework of Islamic Methodology. The International Conference on Education, Social Sciences and Technology (ICESST), 2(2), 308–324.
Wahidin, W. (2023b). Financial Management of Young Families Within the Framework of Islamic Methodology. The International Conference on Education, Social Sciences and Technology (ICESST), 2(2), 308–324.
Yunus, N., Lopuo, R. J., & Alam, H. V. (2023). Implementation of Islamic Economic Principles in Household Financial Management (Analysis of Expenditure and Financing Patterns). Global Scientific Review, 22, 124–137.
Ahmed, H., & Salleh, A. M. H. A. P. M. (2016). Inclusive Islamic financial planning: a conceptual framework. International Journal of Islamic and Middle Eastern Finance and Management, 9(2), 170–189.
Al-Hakim, M. H., Alam, A., & Indra, A. (2020). Penyuluhan Perencanaan Keuangan Keluarga Islami Warga RT Kuncen Sukoharjo. RESONA: Jurnal Ilmiah Pengabdian Masyarakat, 3(2), 66–75.
Astutik, W. (2020). Implementation of Islamic Values in Financial Management. Journal Intellectual Sufism Research (JISR), 2(2), 34–37.
Budiantoro, R. A., Chasanah, A. N., Arifin, N. R., & Tamimah, T. (2021). Islamic Wealth Management: Strategies in Sharia-Based Financial Planning and Management. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 5(2), 198–211.
Diyanti, R. A. R., & Suprayogi, N. (2019). Manajemen Keluarga Muslim Nelayan Desa Puger, Kabupaten Jember. Jurnal Ekonomi Syariah Teori Dan Terapan, 6(7), 1365–1384.
Endrianti, R. D., & Laila, N. (2016). Pengelolaan Keuangan Keluarga Secara Islam pada Keluarga Muslim Etnis Padang dan Makassar di Surabaya. Jurnal Ekonomi Syariah Teori Dan Terapan, 3(7), 315342.
Fadilla, F., Farhan, A., & Choiriyah, C. (2023). Family Financial Management through Islamic Family Wealth Management. Islamic Banking: Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 8(2), 359–374.
Hariani, S., Yustikasari, Y., & Akbar, T. (2019). Pelatihan Pengelolaan Keuangan Rumah Tangga Bagi Ibu-Ibu Rumah Tangga di Cengkareng Barat Wilayah Jakarta Barat. BERDAYA: Jurnal Pendidikan Dan Pengabdian Kepada Masyarakat, 1(1), 15–22.
Harmain, H., Nurlaila, N., & Daulay, A. N. (2020). Improvement of Welfare Through Islamic Financial Management (Case Study of Fishermen’s Family in Indonesia). Journal Of Critical Reviews, 7(17).
Hascaryani, T. D., & Kaluge, D. (2023). Financial Makeover: Transformasi Rumah Tangga Blitar dengan Pemberdayaan Finansial. Jurnal Pengabdian Kepada Masyarakat Nusantara, 4(5), 133–140.
Hayati, M. (2017). Investasi Menurut Perspektif Ekonomi Islam. Ikonomika: Jurnal Ekonomi Dan Bisnis Islam, 1(1), 66–78.
Hengo, M. G., Ndoen, W. M., & Amtiran, P. Y. (2021). Dampak Materialisme, Pengendalian Diri dan Motivasi pada Perilaku Pengelolaan Keuangan Keluarga. JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME’s), 14(1), 47–61.
Iriani, S. S. (2019). The Effect of Religiosity on the Purchasing Decision of Halal Labeled Food Product. East African Scholars J Econ Bus Manag, 2(10), 621–628.
Irwan, M. (2021). Kebutuhan dan Pengelolaan Harta dalam Maqashid Syariah. Elastisitas: Jurnal Ekonomi Pembangunan, 3(2), 160–174.
Jalil, A. (2019). Pengelolaan Keuangan Keluarga Solusi Keluarga Sakinah. AL MAQASHIDI: Jurnal Hukum Islam Nusantara, 2(1), 67–84.
Ksendzova, M., Donnelly, G. E., & Howell, R. T. (2017). A Brief Money Management Scale and Its Associations with Personality, Financial Health, and Hypothetical Debt Repayment. Journal of Financial Counseling and Planning, 28(1), 62–75.
Mahadi, N. A., Mazli, S. A., & Muneeza, A. (2019). Islamic Financial Wealth Management: Empowering Women in Islamic Societies. International Journal of Management and Applied Research, 6(3), 116–129.
Mauluddin, M., & Habibah, N. (2022). Pola Hidup Sederhana dalam Kajian Tafsir Maudhu’i. Al Furqan: Jurnal Ilmu Al Quran Dan Tafsir, 5(2), 231–249.
Muawanah, R., Sukma, D., Kalam, A. Z., & Latifah, E. (2021). The Contribution of Behavior Accounting with the Sakinah Finance Approach to the Financial Management of Islamic Families. Al-Masharif: Jurnal Ilmu Ekonomi Dan Keislaman, 9(1), 93–105.
Muchtar, A. H., Maulidizen, A., & Safaah, A. (2022). ‘Am and Khaṣ Linguistic Method Concept and Implementation in Islamic Law Determination. Al Mashalih-Journal of Islamic Law, 3(1), 1–26.
Nadhiroh, U., & Mukhlis, I. (2023). Family Financial Management Behavior in Housewives (A Phenomenological Review). Formosa Journal of Science and Technology, 2(12), 3161–3174.
Ningsih, P. A., Mukhlisin, M., & Nelli, J. (2022). Family Financial Management in Realizing Sakinah Family. In Wealth Management and Investment in Islamic Settings: Opportunities and Challenges (pp. 151–164). Springer.
Ningsih, P. A., Rosmanidar, E., & Nijal, L. (2023). Financial Behavior of Muslim Families" Analysis of Theory of Reasoned Action (TRA)". Proceedings of the International Conference of Islamic Economics and Business (ICONIES), 9(1), 833–840.
Priantinah, D., Aisyah, M. N., & Nurim, Y. (2019). The Analysis of Technology Acceptance Model (TAM) for Personal Financial Management on Mobile Application Technology. International Conference on Banking, Accounting, Management, and Economics (ICOBAME 2018), 262–266.
Pusparini, M. D. (2023). Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household. Al-Tijary, 8(1), 15–30. https://doi.org/10.21093/at.v8i1.5040
Rianto, H., Olivia, H., & Siregar, S. (2019). Islamic Family Financial Management. Proceeding International Seminar on Islamic Studies, 1(1).
Rifa’i, M. N. (1999). Kemudahan dari Allah: ringkasan tafsir ibnu katsir. Gema Insani.
Shabrina, A., Farhan, M., & Heikal, J. (2022). An Ethnographic Study of Consumption, Saving, and Investment Patterns of Minang Millennial Parents in Jakarta with Islamic Wealth Management Perspective. Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah, 14(02), 149–164.
Siregar, I., & Sabrina, A. (2021). Representation of Religious Values in Gurindam Twelve and Their Relevances with Modern Era. International Journal of Cultural and Religious Studies, 1(1), 50–57.
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016a). Pengaruh Literasi Keuangan dan Lingkungan Sosial Terhadap Perencanaan Keuangan Pegawai di Universitas Islam Indonesia Yogyakarta. Madania: Jurnal Kajian Keislaman, 20(1), 115–128.
Sobaya, S., Hidayanto, M. F., & Safitri, J. (2016b). The Effect of Financial Literacy and Social Environment on Employee Financial Planning at the Islamic University of Indonesia Yogyakarta. Madania: Journal of Islamic Studies, 20(1), 115–128.
Sofa, R. N. S., & Mukhlisin, M. (2020). Analysis of Family Financial Management: Maqâshid Sharîa Approach. Al-Iktisab: Journal of Islamic Economic Law, 4(2), 79–109.
Syaikhu, S., Norwili, N., Maimunah, M., & Wahyunita, L. (2021). The Empowerment of Infaq and Waqf Evaluation in light of Maqasid al-Sharia Perspective in Mosques in Palangka Raya, Indonesia. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 5(2), 1003. https://doi.org/10.22373/sjhk.v5i2.8997
Tkachenko, V., Kwilinski, A., Kaminska, B., Tkachenko, I., & Puzyrova, P. (2019). Development and Effectiveness of Financial Potential Management of Enterprises in Modern Conditions. Financial and Credit Activity Problems of Theory and Practice, 3(30), 85–94.
Ulfah, M., Ningsih, P. A., & Istiqomah, K. (2023). Analisis Manajemen Keuangan Keluarga di Desa Sebrang Sanglar Kecamatan Reteh. Journal of Student Research, 1(6), 188–214.
Utami, W., & Abdullah, A. (2023). Flexing dalam Pandangan Islamic Behavioral Finance. Jurnal Ilmiah Ekonomi Islam, 9(3), 3502–3510.
Wahidin, W. (2023a). Financial Management of Young Families Within the Framework of Islamic Methodology. The International Conference on Education, Social Sciences and Technology (ICESST), 2(2), 308–324.
Wahidin, W. (2023b). Financial Management of Young Families Within the Framework of Islamic Methodology. The International Conference on Education, Social Sciences and Technology (ICESST), 2(2), 308–324.
Yunus, N., Lopuo, R. J., & Alam, H. V. (2023). Implementation of Islamic Economic Principles in Household Financial Management (Analysis of Expenditure and Financing Patterns). Global Scientific Review, 22, 124–137.
Published
2024-05-29
Section
Articles
