PRAKTIK PERENCANAAN KEUANGAN: STUDI EMPIRIS TENTANG SIKAP DAN PERILAKU KEUANGAN RUMAH TANGGA DESA
This study examines the attitudes and behaviors of the rural households toward personal nancial planning
practices, which encompases money management, insurance planning, investment planning, retirement
planning, and estate planning. The personal nancial planning is associated with demogra c, human capital,
dan economic capital characteristics. This study is conducted via questionnaire survey. A survey data is
obtained from 261 rural households by using set of structured quesionnaire. The results show a number of
interesting ndings. First, the economic capitals are the important factors in in uencing attitudes and behaviors
toward household nancial planning. Second, the human capital, i.e. education of respondent is also in uence
attitudes and behaviors toward household nancial planning. Lastly, the demographic characteristics of
respondent are not in uence attitudes and behaviors toward household nancial planning.
Keywords: household nance, money, insurance, investment, retirement, estate
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