MANAJEMEN UTANG PADA KELUARGA PEMINJAM BANK KELILING: STUDI KASUS DI DESA CIBURUY KECAMATAN CIGOMBONG

CLARA ALVERINA, . (2026) MANAJEMEN UTANG PADA KELUARGA PEMINJAM BANK KELILING: STUDI KASUS DI DESA CIBURUY KECAMATAN CIGOMBONG. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini dilatarbelakangi oleh maraknya penggunaan bank keliling oleh keluarga di Desa Ciburuy sebagai alternatif memperoleh data untuk memenuhi kebutuhan sehari-hari yang dipengaruhi oleh kemudahan akses dan keterbatasan pendapatan, namun kemudahan memperoleh pinjaman dapat menimbulkan permasalahan apabila kewajiban pembayaran tidak disesuaikan dengan kondisi keuangan keluarga. Oleh karena itu, penelitian ini bertujuan menganalisis praktik manajemen keuangan serta manajemen utang pada keluarga peminjam bank keliling di Kampung Muara Desa Ciburuy. Metode penelitian yang digunakan adalah kualitatif dengan metode studi kasus. Teknik pengumpulan data melalui wawancara mendalam terhadap 10 informan yang dipilih menggunakan teknik purposive sampling dan 1 petugas lapangan bank keliling. Data dikumpulkan melalui observasi, wawancara mendalam, dan dokumentasi, lalu kemudian dianalisis dengan tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa manajemen keuangan keluarga berfokus pada pemenuhan kebutuhan pokok harian dan biaya pendidikan anak. Akses terhadap pinjaman keliling dimanfaatkan bukan untuk konsumsi mendesak, melainkan dialokasikan sebagai modal usaha. Dalam penelitian ini manajemen utang keluarga dilihat dari fungsi manajemen. Dapat disimpulkan bahwa penerapan manajemen utang tersebut membantu keluarga menjaga kelancaran pembayaran cicilan dan mengatur prioritas pengeluaran, meskipun mereka tetap menghadapi tekanan ekonomi akibat pendapatan yang tidak menentu dan kewajiban pembayaran secara rutin.***** This study was motivated by the widespread use of bank keliling s by families in Ciburuy Village as an alternative source of income to meet their daily needs. In addition to the ease of access to loans which has led to the widespread use of mobile banks to meet various family needs limited income is one of the main factors driving the use of mobile bank loans. The ease of obtaining loans can also lead to problems if repayment obligations are not aligned with the family’s financial circumstances. This study aims to analyze family financial management practices and debt management among families borrowing from bank keliling in Ciburuy Village, Cigombong Subdistrict, specifically in Kampunng Muara. The research method used is qualitative, employing a case study approach. Data collection techniques involved in-depth interviews with 10 informants selected using purposive sampling and 1 mobile bank field officer. Data were collected through observation, in-depth interviews, and documentation, and were subsequently analyzed through the stages of data reduction, data presentation, and drawing conclusions. The results of the study indicate that family financial management focuses on meeting daily basic needs and children’s educational expenses. Access to mobile bank loans is utilized not for urgent consumption but is allocated as business capital. In this study, family debt management was examined from a management perspective. It can be concluded that the implementation of such debt management helps families maintain regular installment payments and prioritize their expenditures, even though they continue to face economic pressures due to unpredictable income and recurring payment obligations.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Dr. Shinta Doriza, M.Pd., M.S.E ; 2). Hurriyyatun Kabbaro, S.Si., M.Si.
Subjects:	Ilmu Sosial > Kesejahteraan Keluarga
Divisions:	FT > S1 Pendidikan Kesejahteraan Keluarga
Depositing User:	Clara Alverina .
Date Deposited:	20 Aug 2026 08:03
Last Modified:	20 Aug 2026 08:03
URI:	http://repository.unj.ac.id/id/eprint/71710

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