POLA GAYA HIDUP DALAM KEUANGAN KELUARGA (Studi Kasus:Unit Kerja Institusi Pendidikan Swasta di Bandung)

Abstract

This research was conducted to discover lifestyle patterns in family finances. This research was conducted in a private educational institution in Bandung. Data collection technique used in this research is survey technique with questionnaires and the data analysis technique that used in this study is descriptive analysis. It has been found that the lifestyle patterns of employees at one of private educational institution in Bandung generally still have a good patterns. This is proved by the monetary sequences of their revenues and expenses. Also, the priority selection of their needs and wants in fulfilling their life style is still in control.  From this research, it is known generally the respondents already have their own house, vehicles, and mobile communication devices like hand phone.  The purchasing frequency of hand phone in average is less than 2 times per year. Moreover, the respondents have already had a habit of saving/investing and buying insurance. To fill their spare time, respondents prefer to gather with their family, go to mall with frequency of 1-4 times per month and do exercise. But,  the problem  that needs  to be taken  care of is how  to handle  their credit  cards/loans  because  a lot of respondents have routine spending of  paying credit card installment/loans.  From this research, it is also found that there is still a lack of awareness for making simple bookkeeping of their revenues and expenses. Therefore to make  them  family  finances  literate,  they need  to follow a counseling and  training  on family  finances.  Even, they are suggested to follow  the counseling and training with their family members.