Frugal Living and Family Financial Management: The Pivotal Role of Housewives
DOI:
https://doi.org/10.52690/jswse.v6i2.1219Keywords:
Family Welfare, Financial Management, Frugal Living, Gender Roles, HousewivesAbstract
This research aims to determine the role of housewives in managing finances by living frugally and the implications for family welfare. The method used in this research is a qualitative method that explores the role of housewives in implementing frugal living to manage family finances, using interviews and observations with employees at Puri Raharja Hospital, Denpasar. Based on the research results, the findings revealed three motivations for living frugally: economic stability, psychological well-being, and saving for children’s education. Housewives serve as financial managers, decision makers, and educators, encouraging spending discipline and long-term savings. This study highlights the positive implications of frugal living on family well-being and gender equality, and emphasizes its potential as a sustainable financial strategy. The limitation of this research is the research design which was only carried out in one place, thus suggesting that there should be more extensive research in the future.
References
Carnegie, G. D. (2007). Household Accounting In Australia: A Microhistorical Study. Accounting, Auditing & Accountability Journal, Vol. 20, no. 02, https://doi.org/10.1108/09513570710741000
Febrian, R. A. (2021). The Role of Housewives in Family Financial Management During the Covid-19 Pandemic. Journal of Entrepreneurship, Management and Industry (JEMI), https://journal.bakrie.ac.id/index.php/JEMI/article/view/2236
Gorshkova, N. V. (2015). System of Family Budgeting as a Methodological Basis for Personal Accounting and Guarantee for Growth of Financial Literacy of the Russians. Mediterranean Journal of Social Sciences, https://doi.org/10.5901/mjss.2015.v6n5p413
Hartantri, R. ., Setyadi, B., & Gunarto, M. (2024). Analysis of the Effect of Frugal Living on Employee Financial Management in Achieving Financial Freedom. International Journal of Finance Research, 5(1), 103 - 113. https://doi.org/10.47747/ijfr.v5i1.1700
Hasanah, N. (2024). Frugal Living: Generation Z Perspective Through a Qualitative Approach. Ekspektasi: Jurnal Pendidikan Ekonomi, 9(1). https://doi.org/10.37478/jpe.v9i1.4095
Inayati, D. N. I., Jamilah, I., & Sujianto, A. E. (2024). Application of the Frugal Living Concept in Financial Planning. Personal. Innovative: Journal of Social Science Research, 4(1). https://j-innovative.org/index.php/Innovative/article/view/7940
Khushoiryah, M. (2024). The Role of Women in Managing Family Finances (Study of Farmworker Families in Widodaren Village, Widodaren District, Ngawi Regency). Thesis. Sunan Kalijaga State Islamic University, http://digilib.uin-suka.ac.id/id/eprint/68244
Klesment, M., & Van Bavel, J. (2022). Women’s relative resources and couples’ gender balance in financial decision-making. European Sociological Review, 38(5), 739-753. https://doi.org/10.1093/esr/jcac019
Komalasari, F., & Cindi, R. J. (2021). The Influence of Financial Literacy Towards Financial Management and Its Impact on Family Welfare. Proceedings of the 1st Paris Van Java International Seminar on Health, Economics, Social Science and Humanities (PVJ-ISHESSH 2020). https://doi.org/10.2991/ASSEHR.K.210304.157
Lalupoa, F., Sahusilawane, A. M., Thenu, S. F. W. (2019). The Role of Women in Improving Household Welfare (Case Study of the Hutumuri State Nuvalu Group). Islands Agribusiness Journal, 7(1). https://www.researchgate.net/publication/334793170
Nabilah, M. G., Kholmi, M., Oktavendi, T. W., & Prasetyo, A. (2024). Accounting Urgency in Household Financial Management. Assets, 10(2), https://doi.org/10.1201/9781003534495-7
Pepin, J. R. (2019). Beliefs about money in families: Balancing unity, autonomy, and gender equality. Journal of Marriage and Family, 81(2), 361-379. https://doi.org/10.1111/jomf.12554
Rita, M. R., Santoso, B. (2015). Financial Literacy and Financial Planning in Children’s Education Funds. Economic Journal, Vol. xx, No. 02, https://www.researchgate.net/publication/321772339
Sendratari, L. P., Margi, I. K., Sitompul, L. U. (2024). Prophetic Feminist Romantism In The Tradition Of Saba Munama In Pedawa Village. ICLSSE 2024, October 17, Singaraja, Indonesia. https://eudl.eu/pdf/10.4108/eai.17-10-2024.2353746
Setyoningrum, A. A. D. (2020). Women, Financial Management and Family Economy. EKOBIS: Jurnal Ilmu Manajemen dan Akuntansi, 8(2). https://doi.org/10.36596/ekobis.v8i2.484
Stevenson, B., & Wolfers, J. (2007). Marriage and divorce: Changes and their driving forces. Journal of Economic perspectives, 21(2), 27-52. https://doi.org/10.1257/jep.21.2.27
Sugiyono. (2017). Quantitative Qualitative Research Methods and R&D. Alfabeta
Sukrianto., & Lakoro, F. S. (2022). Implementation of Household Accounting Before and After the Covid-19 Pandemic in Tilamuta District, Boalemo Regency. MEA Scientific Journal (Management, Economics and Accounting), 6(3), https://doi.org/10.31955/mea.v6i3.2402
Suryani, D., & Kudus, W. A. (2022). The phenomenon of young marriage among young women in Pipitan Village. Journal of Sociology and Humanities Education, 13(2), https://doi.org/10.26418/j-psh.v13i2.54437
Tavakolian, N., Lotfi, M. H., Soodejani, M. T., Madadizadeh, F., & Kalantari, F. (2023). The trend of marriage, childbearing, and divorce and its determinants of socio-economic factors on divorce in Yazd province 2016-2021: A cross-sectional study. International Journal of Reproductive BioMedicine, 21(8), 657. https://doi.org/10.18502/ijrm.v21i8.14021
Tenda, H. P. U., Tumengkol, S. M., & Kawung, E. J. R. (2020). The Role of Housewives in Improving the Social Status of Bahu Families, Malalayang District, Manado City. Holistic Journal, 13(2), https://ejournal.unsrat.ac.id/v3/index.php/holistik/article/view/29323
Thaler, R. H. (1999). Mental Accounting Matters. Journal of Behavioral Decision Making, 12(3). https://doi.org/10.1002/(SICI)1099-0771(199909)12:3%3C183::AID-BDM318%3E3.0.CO;2-F
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Made Diah Chandra Dewi, Anantawikrama Tungga Atmadja, I Made Pradana Adiputra
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
