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Artykuły w czasopismach na temat „Personal finances management”

Autor: Grafiati

Data publikacji: 3 czerwca 2025

Data aktualizacji: 31 lipca 2025

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Rajesh, RJ, and KV Giridhar. "Financial Literacy and Personal Financial Management: Smart Moves Towards Personal Finance." Shanlax International Journal of Arts, Science and Humanities 12, S1-Oct (2024): 62–67. https://doi.org/10.34293/sijash.v12is1-oct.8285.

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Financial literacy and personal financial management have become integral parts of everyone’s life. Financial literacy is the basic knowledge, skills, behaviour, and attitude towards finance. Personal finance includes income, savings, expenses, investments, and financial protection for the person or family. Personal financial management means effective management of personal finances. There is a necessity of financial literacy for everybody to manage their personal finances. In this backdrop, this paper deals with linkage between financial literacy and personal financial management, and also d

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Presnyakova, Darya V., Vladimir N. Galitskikh, and Andrey A. Presnyakov. "PERSONAL FINANCE MANAGEMENT USING INSURANCE AND INVESTMENT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2/5, no. 143 (2024): 112–17. http://dx.doi.org/10.36871/ek.up.p.r.2024.02.05.013.

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The current life situation forces a person, family, entrepreneur to pay attention to their own income and expenses, so the task arises to effectively manage personal finances. This category is quite important and occupies a special place in the life of a person and his family, since determining the optimal ways to manage personal finances allows you to increase well-being. The tasks of the subjects of personal finance management are considered to reduce current cash expenditures, increase income through economic activities and conduct typical financial calculations to determine the budget. The

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Bandi, Vedang, Shivam Dagadu, Vedant Dal, Geeta Rautela, and Mrs Neha Kale. "OPTIMUM FINANCE - PERSONAL FINANCE MANAGEMENT USING LLM." International Journal of Engineering Applied Sciences and Technology 09, no. 11 (2025): 62–66. https://doi.org/10.33564/ijeast.2025.v09i11.010.

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Optimum Finance is an advanced personal finance management platform designed to help users effectively manage their finances through an intuitive web interface. It enables users to track income, expenses, and savings goals, fostering financial stability and growth. Key features include income and expense tracking, recurring transaction support, and personalized budgeting tools for better financial decision-making. The platform offers financial analytics through interactive charts and graphs, helping users identify spending patterns and monitor their financial health. Users can set and track sa

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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it

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Basha, Mr Md Chan. "Personal Finance Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50574.

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Abstract - Effective personal finance management is essential for individuals seeking to achieve financial stability, control expenditures, and meet long-term goals. This paper presents the development of a personal finance management system designed to assist users in tracking income, expenses, and savings through an intuitive digital platform. The methodology involves implementing a structured database, automated categorization of transactions, and interactive dashboards for financial visualization. The system incorporates budgeting tools, alerts for overspending, and goal-setting features t

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van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.

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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500

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Mwarangu, Fatuma, and Dominic Ngaba. "Job Experience and Personal Financial Management Among Finance Managers of Insurance Companies in Kenya." Journal of Finance and Accounting 2, no. 1 (2022): 1–9. http://dx.doi.org/10.70619/vol2iss1pp1-9.

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Personal finance management is important so that people can manage personal finances and make informed financial and economic decisions. People with weak personal financial abilities are vulnerable to financial stress, which can harm their physical and mental health. The purpose of this study was to establish the relationship between job experience and personal financial management among finance managers of insurance companies in Kenya. The study adopted a descriptive research design and targeted finance managers from 53 licensed insurance companies in Kenya. Data was collected using a questio

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Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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Abstract Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing.&#

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Hrytsenko, Кostiantyn, Elina Shramko, and Avhusta Hrytsenko. "Development of a web-oriented system for accounting and analysing personal finances." Economic Analysis, no. 34(3) (2024): 301–11. https://doi.org/10.35774/econa2024.03.301.

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Introduction. Traditional methods of accounting and analysing personal finances are ineffective for the challenges of the modern world, which leads to the need to find innovative solutions. Web-oriented systems offer such solutions. They provide access to up-to-date financial information and automate the processes of accounting, analysing and planning, which generally improves the efficiency of personal finance management. Implementing digital technologies in managing personal finances improves the digital and financial literacy of the population and contributes to the development of the digit

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Musiał, Marta. "Zastosowanie instrumentów zarządzania finansami osobistymi w polskich gospodarstwach domowych." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 4, no. 3 (2015): 233–43. http://dx.doi.org/10.33119/kkessip.2015.4.3.16.

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One of the most important elements of managing personal finances is collectionof data needed for the analysis of household’s financial situation. The mostpopular personal finance management tools include financial statements (balancesheets and cash flows) and household budget. The purpose of this article isto determine how Polish households use the basic personal finances management tools. The article will characterize the tools and present the results of primarystudies concerning the use of these tools by Polish households.

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Suhendah, Rousilita, Christin Angelia, and Clara Felixa Tridian. "Simple Financial Management Education with Lamikro for Cake and Pastry Business." Journal of Innovation and Community Engagement 6, no. 2 (2025): 133–51. https://doi.org/10.28932/ice.v6i2.11076.

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Education on simple financial management using the Lamikro application carried out by the community service team with Marife Cake & Pastry as a partner aims to provide an understanding of the need to separate business and personal financial management. This training also provided education on the technical use of the Lamikro application in preparing profit and loss reports and balance sheets since this application is easy to understand for everyone. Marife Cake and Pastry, located in the Bekasi area, has difficulty managing finances. The partners of this community service program still mix

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Gumanti, Dessyta, Salman M. Noer, Reni Respita, et al. "Meningkatkan Personal Finance Management Siswa SMA PGRI 2 Padang." Journal of Community Service and Society Empowerment 3, no. 02 (2025): 146–55. https://doi.org/10.59653/jcsse.v3i02.1735.

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Personal finance management is very important, especially for the younger generation such as students, for their future. However, in reality, there are still many students who do not understand how to manage finances effectively. Community service activities are carried out for students of SMA PGRI 2 Padang with the hope that students will be able to manage their personal finances from an early age. This activity is carried out through a series of workshops and interactive discussions that involve students in activities based on good financial planning and management. Through a simple and prac

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Qian, Ruicheng. "Management of Personal Finances and Investment Decisions." Advances in Economics, Management and Political Sciences 64, no. 1 (2023): 202–12. http://dx.doi.org/10.54254/2754-1169/64/20231532.

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The effective management of personal finances and investment decisions plays a pivotal role in achieving and maintaining financial stability. The present study investigates the many determinants that impact the decision-making process of individuals when it comes to investing decisions, as well as the subsequent financial results that ensue over an extended period. Through the use of a quantitative research methodology, this paper analyzed a representative sample of 1,000 individuals to examine their investing habits. This investigation took into account many factors like risk tolerance, finan

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Rajitha, Akula. "Smart Personal Finance Tracker for Efficient Money Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49883.

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Abstract: Personal finance management is crucial for financial independence in the long run. This project includes a web-based Personal Finance Tracker developed with HTML, CSS, and JavaScript. The software lets users track their income, expenditures, and savings through an easily accessible interface. The main functions are transaction grouping, budgetary goal setting, and financial reporting through charts and summary reports. The app is intended to be reachable on multiple devices with no extra software installation. This research also examines the impact of tracking digital finance on user

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Ilchenko, Aleksander A. "FINANCIAL CONSULTING AS A FACTOR IN THE DEVELOPMENT OF THE FINANCIAL MARKET." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/2, no. 153 (2024): 121–31. https://doi.org/10.36871/ek.up.p.r.2024.12.02.013.

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The paper characterizes the theoretical foundations of financial consulting in personal finance management and its significance in the financial life of households in the country. Data on income and expenses of the population by deciles groups, as well as the structure of financial assets have been presented. A weak contribution of personal finances to the development processes of the financial market under conditions of unstable economic growth has been identified. The range of services for managing personal finances and conducting operations with financial instruments provided by financial i

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Kavitha, S., and S. Krishnan. "AI-based Personal Financial Management: Opportunities and Challenges." ComFin Research 13, S1-i2 (2025): 68–73. https://doi.org/10.34293/commerce.v13is1-i2.8737.

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AI powered tools are revolutionizing as they are hands free, automated, and data driven. AI allows individuals to track spending, investment management, and future goal achievement with little manual effort through numerous AI powered tools like machine learning algorithms, robo-advisors, and virtual assistants. AI enhances financial literacy, gives real time details, and sets personalised strategy targets to each and every individual through big data and predictive analytics. While AI-based Personal Financial Management offers various benefits, it facesome problems also. Majority of concerns

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Tvaronavičius, Vytautas. "Theoretical Aspects of Life-Cycle Personal Finances Management." Business: Theory and Practice 9, no. (1) (2008): 22–32. https://doi.org/10.3846/1648-0627.2008.9.22-32.

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The article examines the theoretical aspects of personal finances management. The article reveals the concept of financial assets and investments, and the scope of personal finances management. Various authors' approaches to finance planning process are discussed. The links between person's life cycle and investments are investigated. Life-cycle finance widely analyzed by foreign scientists is introduced in the article. Authors indicate necessary prospective researches in the area of personal finances manageme

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Imam, Synthia, Alberto Ibañez Fernandez, Gyanendra Singh Sisodia, Juan Antonio Jimber del Río, and Ahmed Al Radaideh. "Emotional Intelligence and Personal Finances in the Academic Curricula: A Critical Analysis of Their Potential Synergies." Asian Culture and History 14, no. 1 (2022): 6. http://dx.doi.org/10.5539/ach.v14n1p6.

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The research addresses two major topics, Emotional Intelligence and Personal Finance, and the need to be permanently included in the academic curricula. The purpose of the paper consists in raising awareness within the teaching community on the relevance of these two topics for the personal and professional development of students. Furthermore, the research identifies the potential positive synergies between emotional intelligence and personal finances for students when both subjects are included in the academic curricula. The study proposes several conceptual findings via the literature revie

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Carlin, Bruce, Arna Olafsson, and Michaela Pagel. "Generational Differences in Managing Personal Finances." AEA Papers and Proceedings 109 (May 1, 2019): 54–59. http://dx.doi.org/10.1257/pandp.20191011.

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In this article, we provide a descriptive account of how people from different generations vary in their use of financial management technology, their access credit markets, and how they finance consumption and incur financial costs and penalties. We use a detailed panel of transaction-level data from Iceland on individual spending, incomes, balances, and credit limits from a personal financial management software. We find that technology adoption is faster for millennials, but use of consumer credit and financial penalties are higher for older generations. While the “coholding puzzle” exists

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Чечетова Н. Ф. та Чечетова-Терашвілі Т. М. "ФІНАНСОВА ГРАМОТНІСТЬ ЯК ЗАПОРУКА УСПІХУ УПРАВЛІННЯ ОСОБИСТИМИ ФІНАНСАМИ". World Science 2, № 10(50) (2019): 14–20. http://dx.doi.org/10.31435/rsglobal_ws/31102019/6725.

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   The article deals with the problem of ensuring the financial literacy of the population as a key to the success of managing personal finances. The results of sociological research are analyzed, which confirm the low level of financial literacy and competence of the population of Ukraine in the sphere of personal finance. It also looks at possible investment decisions regarding the use of personal finance and the risks associated with such decisions. International experience confirms that improving financial literacy can only be achieved through the implementation of a comp

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A, Vishwas, Divyanshu Kumari, Pradeep S, et al. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.

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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educati

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Putri, Anike, Ghea Nofayza, Widi Dwi Aditia Putra, and Delia Arofah. "Pemahaman Dasar Keuangan Untuk Pengoperasian Aplikasi Buku Warung." Jurnal Bhakti Karya dan Inovatif 3, no. 1 (2023): 7–11. http://dx.doi.org/10.37278/bhaktikaryadaninovatif.v3i1.579.

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For MSMEs, several steps can be taken in order to manage finances well, namely starting to separate personal and business finances, and starting simple bookkeeping. If MSMEs are able to separate personal finance from business finance, and have bookkeeping or administrative management (business finance), MSMEs can try to make financial planning in a simple way. By separating personal and business financial records, owners can more easily manage their business finances. This is because the accuracy of business financial records can influence decision making and evaluate business performance. Mix

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Spinella, Marcello, David Lester, and Bijou Yang. "Compulsive Buying Tendencies and Personal Finances." Psychological Reports 115, no. 3 (2014): 670–74. http://dx.doi.org/10.2466/18.02.pr0.115c27z0.

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In a community sample of 225 adults, scores on the Compulsive Buying Scale were associated with scores on the subscales of the Executive Personal Finance Scale ( rs = −.35 to −.70) and the Money Attitudes Scale (positively with using money for impressing others, and negatively with saving and planning). The results suggested that common tendencies toward compulsive buying may not be pathological, but merely associated with attitudes toward money in general and financial management habits.

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Geck, Caroline. "Book Review: Personal Finance: An Encyclopedia of Modern Money Management." Reference & User Services Quarterly 55, no. 1 (2015): 76. http://dx.doi.org/10.5860/rusq.55n1.76.

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This single-volume reference offers access to overviews of financial ideas and concepts, key events, and business figures that have shaped modern personal finance and money management. The editor, Barbara Friedberg, the author of How to Get Rich: Without Winning the Lottery and Invest and Beat the Pros—Create and Manage a Successful Investment Portfolio and founder of the popular website BarbaraFriedbergPersonalFinance.com, has compiled an invaluable and easy-to-use reference to increase financial literacy and independence among American citizens across different age brackets and life stages,

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Wisni Arie Pramuki, Ni Made, Yeni Yuliantari, Ni Komang Sumadi, Putu Yeni Yuliantari, and Sang Ayu Putu Indraswarawati. "LITERASI KEUANGAN BAGI KUBE (KELOMPOK USAHA BERSAMA) GANTARI JAYA DI KOTA DENPASAR." Dharma Bhakti 2, no. 2 (2024): 95–101. http://dx.doi.org/10.32795/dharmabhakti.v2i2.6075.

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This community service aims to provide financial management knowledge to business actors who are members of the Ganatri Jaya Joint Business Group (KUBE) which is facilitated by Graha Nawasena Rumah Harapan Disabled Denpasar City. The separation of personal finances and business finances is still widely mixed in their use and recording. In fact, separating personal finances from business as a form of financial management is very important to support business continuity. Financial literacy is a very important thing to provide to business actors so that they can manage their business finances wel

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Banerjee, Samrat, Risav Adhikari, and Ishika Saha. "Investigating the Influence of Personal Finance on Impulse Buying: An Evidence from the City of Joy Kolkata." Journal of Management and entrepreneurship 18, no. 2 (2024): 60–69. https://doi.org/10.70906/20241802060069.

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Impulse buying leads to spontaneous purchases driven by desire, often resulting in unnecessary items, overconsumption, and waste accumulation. Consumers should manage their finances responsibly and make well-informed financial decisions to avoid these issues. This research explores the association of impulse buying with personal finance. Data was procured through a structured questionnaire using Google Forms, targeting 210 respondents from Kolkata. The hypothesis posited that there is no statistically evident relationship between impulse buying and personal finance. Data was compiled, coded, a

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Indarto, Devy Nirmala Sari, and Kristyana Dananti. "Pengaruh Perilaku Konsumtif, Jenis Kelamin, dan Pendapatan terhadap Pengelolaan Keuangan Pribadi Karyawan Divisi Garment PT Dan Liris Sukoharjo." Jurnal Manajemen Bisnis dan Kewirausahaan 5, no. 5 (2021): 558. http://dx.doi.org/10.24912/jmbk.v5i5.10327.

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The development of online marketing facilitates promotion and increases interest in shoping for male and female consumers. The interest in shoping become a problem in management of personal finance, when income is limited. Especially for group of people who receive income as emlpoyees. The puprpose of this article explains the influence of consumptive behavior, gender, and income on management of employee personal finances in the garment division of PT Dan Liris Sukoharjo. This study uses standardized linier regression models. The data analyzed came from convenience sampling method. The sample

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Rajas, Prof Neha, Sagar Patil, Sahil A. Patil, et al. "Money Management App for Expense Planning Based on Flutter." International Journal for Research in Applied Science and Engineering Technology 11, no. 11 (2023): 2068–72. http://dx.doi.org/10.22214/ijraset.2023.57001.

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Abstract: A mobile application called MoneyExpense and Salary Manager was created to transform how people handle their personal finances. The characteristics, advantages, and effects on personal finances are examined in thisstudy article.It explores the app's foundational technology, approaches, and algorithms. The obstacles, restrictions, and future directions for research and development are discussed in the paper. The articleassessesthe app's usefulnessin enhancing

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Hamdani Putri, Lidya, Agus Sugiono, Kholil Akhmad, and Jerry Heikal. "Exploring The Similarity of Young Entrepreneur's Financial Behavior: A Comparative Ethnographic Study of Minangnese, Javanese and Sundanese." KOLOKIUM Jurnal Pendidikan Luar Sekolah 12, no. 1 (2024): 137–49. http://dx.doi.org/10.24036/kolokium.v12i1.846.

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Wise Financial behaviors is the key to success in achieving financial stability and long-term financial goals. In managing finance, both personal and business, young entrepreneurs from a certain ethnic group can have several similarities as the key to their success in their financial behavior based on their culture. The purpose of this study is to identify patterns in cash flow management, saving, investment, debt management, insurance, and retirement preparation among the informants in managing their personal finances, as well as to conduct a comparative analysis to find similarities in finan

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Halawa, Valentina Murniwati, Maria Magdalena Bate’e, Perlindungan F. Hulu, and Nanny A. Bu’ulolo. "Pengaruh Literasi Keuangan Terhadap Pengelolaan Keuangan Pribadi Mahasiswa STP Dian Mandala Gunungsitoli Nias Keuskupan Sibolga." Visi Sosial Humaniora 5, no. 1 (2024): 67–81. http://dx.doi.org/10.51622/vsh.v5i1.2306.

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This research aims to find out whether financial literacy has an effect positive towards the personal financial management of STP Dian Mandala Students, to find out how much influence financial literacy has in managing students personal finances, and to find out whether financial literacy can overcome students difficulties in having high consumer behavior towards managing students personal finances. The research was conducted at the STP Dian Mandala Gunungsitoli Nias Campus, Sibolga Diocese. The research method used is a quantitative method with data collection through distributing questionnai

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Uli Nuha, Sukma, Ria Meilan, and Alfinatul Qoni’ah. "The Concept of "Mental Accounting" as the Spirit of Personal Financial Management for Millennial Women." Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak 8, no. 1 (2024): 48–55. http://dx.doi.org/10.30741/assets.v8i1.1226.

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The research objective seeks to examine the ethno-economic dimensions that encourage Millennial Women to form behavioral decisions in managing personal finances. The novelty in this research is describing and analyzing the concept of "Mental Accounting" in managing personal finances, thus creating financial independence for women in Indonesia and becoming a new color in accounting research. The ethno-economic method was chosen in the research with the aim of explaining the reality of the behavior of the millennial generation in managing personal finances. The results of the study found the mea

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Alonso Burga-Morales, Julio, and Franklin Cordova-Buiza. "Exploring the relationship between financial education and personal finance management in Lima, Peru." Knowledge and Performance Management 9, no. 2 (2025): 18–29. https://doi.org/10.21511/kpm.09(2).2025.2.

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Promoting effective personal finance practices is crucial for individuals’ long-term financial well-being. Financial education equips people with the knowledge and skills to make informed decisions and achieve financial stability. This study investigates the relationship between financial education and personal finance among residents of Lima, Peru, a context characterized by limited financial inclusion and low literacy levels. The research followed a quantitative, cross-sectional, and correlational design. A validated questionnaire was administered to a random sample of 456 individuals aged 1

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Violeta Nirmala, Robi Krisna, and Irian Nasri. "Pelatihan Manajemen Keuangan Pribadi Menggunakan Microsoft Excel." ABDISOSHUM: Jurnal Pengabdian Masyarakat Bidang Sosial dan Humaniora 4, no. 2 (2025): 269–75. https://doi.org/10.55123/abdisoshum.v4i2.5645.

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The fourth industrial revolution has brought about significant changes in all fields, including the financial sector. Personal finance management involves various aspects, including: 1). Budget planning (budgeting): Developing a plan for expenses and income on a regular basis. 2). Expenditure control: Regulating consumption patterns so as not to exceed income. 3). Saving and investment: Setting aside a portion of income for future needs or increasing asset value. 4). Debt management: Avoiding and/or managing debt so that it remains within repayment limits. 5). Long-term financial planning: Set

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Świecka, Beata. "Wykorzystanie detalicznej bankowości elektronicznej w zarządzaniu finansami osobistymi." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 2, no. 3 (2015): 193–206. http://dx.doi.org/10.33119/kkessip.2015.2.3.13.

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The purpose of the study is to analyze and evaluate usage of electronic bankingin personal finances’ management. In the paper the following hypothesis isverified: Retail e-banking offers tools to help manage personal finances and thusfacilitates the entire management process, however financial literacy is essentialas it gives direction to the activities in the field of financial management.

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Santoso, Aprih, Saifudin Saifudin, and Ardiani Ika Sulistyawati. "MEMBUMIKAN METODE PALS PADA DIGITALISASI PENGELOLAAN DASAR KEUANGAN FORUM UMKM MRANGGEN DEMAK." Buletin Abdi Masyarakat 5, no. 2 (2025): 55. https://doi.org/10.47686/bam.v5i2.752.

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Current conditions based on a pre-survey by the Community Service Team, many members of Mranggen District MSME Actors are unable to manage their MSME finances properly, especially in managing income and expenses and separating personal finances from business finances. On the one hand, reduced income due to the global food crisis has an impact on irregular income for MSMEs. On the other hand, increased expenses, due to the needs and prices of consumer goods also make it difficult to manage MSME finances. This is what motivated the Community Service Team to be interested in carrying out communit

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Kusumadyahdewi, Kusumadyahdewi. "PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA." J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) 2, no. 2 (2016): 118. http://dx.doi.org/10.18860/jpips.v2i2.6839.

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Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measu

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Alwi, Fachri, Lidya Agustina, Meythi Meythi, and Riki Martusa. "Literasi Pengelolaan Keuangan Pribadi bagi Masyarakat Desa Jati Endah." Jurnal ABDINUS : Jurnal Pengabdian Nusantara 9, no. 2 (2025): 471–83. https://doi.org/10.29407/ja.v9i2.24710.

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The problem encountered in the Jati Endah Village community is the low level of financial management literacy which is indicated by the lack of public understanding regarding personal financial management. This community service activity aims to improve public understanding regarding personal financial management so that people are able to manage their finances optimally. The method of activity carried out is community service in the form of coaching including material presentation accompanied by financial management practices. The results of the community service show an increase in public un

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Struwig, Miemie, and W. Plaatjes. "Developing a framework to investigate the personal financial management knowledge of individuals." South African Journal of Economic and Management Sciences 10, no. 1 (2013): 21–32. http://dx.doi.org/10.4102/sajems.v10i1.534.

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This article focuses on the development of a framework for investigating the personal financial management knowledge of individuals. Content analysis is used to derive the components included in the personal financial management requirements framework. The framework developed includes six components, namely basic concepts in personal finances, management of personal finances, risk management, future planning, investing in financial resources and miscellaneous factors. A qualitative validation process revealed that the framework indeed covers what the average South African citizen is required t

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Ajay, Benadict Antony Raju. "Developing a Personal Finance Management Tool Using Spring Boot and React." International Journal of Innovative Research in Engineering & Multidisciplinary Physical Sciences 11, no. 3 (2023): 1–5. https://doi.org/10.5281/zenodo.14209081.

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Personal finances management has been revolutionized by digital tools in financial sector with enhanced convenience to the end user. This abstract discusses on how a simple Personal Finance Management (PFM) tool would be built using Spring Boot and React to make an efficient application for the management of personal finances. Spring Boot applies microservices in its structure, which provides a flexible backend for processing high-volumes of financial data and computations with robust security. On the other hand, React offers a dynamic and engaging frontend; this means that users will be recei

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Fitriani, Yuni. "ANALISA PEMANFAATAN APLIKASI KEUANGAN ONLINE SEBAGAI MEDIA UNTUK MENGELOLA ATAU MEMANAJEMEN KEUANGAN." Journal of Information System, Applied, Management, Accounting and Research 5, no. 2 (2021): 454. http://dx.doi.org/10.52362/jisamar.v5i2.432.

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Abstract: The existence of information technology provides many benefits in many aspects of life, especially if we are able to maximize the use of such technology, one of which is the emergence of online financial management applications as a medium to manage or manage finance both personal and business finance. This online financial application makes it very easy to plan budgets and record expenses as well as to make financial statements. In this study, online financial applications include financial applications that help manage personal or individual finances, families as well as busi

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Yunianti, Azzahra Dwi, Nur Andini Fatimatuz Zahro, and Bella Paradita. "The Influence Of Financial Literacy, Budgeting Planning, And Investment Knowledge On Personal Financial Management Case Study: Kediri City Students." Dinasti International Journal of Economics, Finance & Accounting 6, no. 3 (2025): 1746–53. https://doi.org/10.38035/dijefa.v6i3.4480.

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The ability to manage personal finances is important, especially for students who are learning to be financially independent. This study aims to analyze the effect of financial literacy, budget planning, and investment understanding on personal financial management. Data were obtained through structured questionnaires distributed to college students in Kediri City. The analysis technique used multiple linear regression to measure the effect of each variable. The results show that financial literacy, budget planning, and investment understanding have a significant effect, both individually and

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Kok, Jun-Xuan, Sin-Ban Ho, and Chuie-Hong Tan. "Enhancing Financial Literacy: A Progressive Web Application Approach for Malaysian Youth." Journal of Informatics and Web Engineering 4, no. 1 (2025): 53–69. https://doi.org/10.33093/jiwe.2025.4.1.5.

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Financial management is a crucial skill that individuals of all age ranges should acquire and master. It offers a transparent view of our financial status, enabling us to comprehend where our expenses are directed and manage every facet of our finances. Studies have indicated that Malaysian youth lack understanding in financial management. Nowadays, with so many people using the internet, we have the opportunity to share this expertise with a larger audience. Providing easily accessible materials for learning about and managing personal finances is essential to comprehending people's individua

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Sofa, Indah Ainus, Berlian Gustina Riyadi, Surur Fathma Ningtyas, and Deny Yudiantoro. "Peran Literasi Keuangan, Financial Self-Efficacy dan Fintech Payment Terhadap Manajemen Keuangan Pribadi Mahasiswa MKS UIN SATU Tulungagung." Jurnal Ekonomi, Bisnis dan Manajemen 3, no. 4 (2024): 130–42. https://doi.org/10.58192/ebismen.v3i4.2737.

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This research explores the influence of financial literacy, self-confidence in managing personal finances, and the use of fintech payments on the personal financial management of Sharia Financial Management students at UIN Sayyid Ali Rahmatullah Tulungagung. This research is motivated by students' lack of understanding regarding personal financial management, which has the potential to affect their readiness to face financial challenges in the future. Through good financial literacy and self-confidence in managing finances, students are expected to be able to manage their finances more wisely.

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DUBEY, PRIYANSHU. "Fintrack (Personal Finance Tracker)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34937.

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Fintrack is a comprehensive personal finance tracker designed to empower people to take control of their financial well-being. This summary provides an overview of Fintrack's main functions, features and potential impact on personal financial management. Fintrack provides its users with a centralized platform to track and manage their finances easily and efficiently. The platform allows users to add their financial accounts, including bank accounts, credit cards, loans and investments, providing a holistic view of their financial situation. With Fintrack, users can easily categorize transactio

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Warsitasari, Wahyu, Moh Rois Abin, and Nadia Nadhirotus Shoidah. "Enhancing Women's Community Organization Financial Literacy Through Personal Financial Management Training." Transformatif : Jurnal Pengabdian Masyarakat 5, no. 1 (2024): 1–14. http://dx.doi.org/10.22515/tranformatif.v5i1.7456.

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Individual well-being is intimately tied to financial knowledge. Higher financial literacy will influence how a person manages their finances. Individuals must have knowledge and comprehension of personal finance in order to make sound financial decisions. The purpose of this community service project is to: (1) educate participants on personal financial management and financial literacy. (2) Apply participants' skills and abilities in personal financial management practice to develop financial literacy. (3) Increase participants' financial knowledge following personal financial management tra

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Dr Rustan. "ECONOMIC BEHAVIOR IN FINANCIAL MANAGEMENT OF TRADITIONAL FOOD SELLERS IN MAKASSAR CITY." International Journal of Management Studies and Social Science Research 07, no. 03 (2025): 189–99. https://doi.org/10.56293/ijmsssr.2025.5619.

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The type of qualitative research through a phenomenological approach, the results of the study indicate that traditional food sellers in Makassar manage their finances simply, with fluctuating daily income. The main problem is the inseparability between personal and business finances and the lack of structured records, which makes it difficult to evaluate financial performance. The use of profits for social purposes can also disrupt business stability. To improve financial management, sellers can keep better records, separate personal and business finances, and utilize technology and financial

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Waliszewski, Krzysztof, and Anna Warchlewska. "Financial technologies in personal financial planning: robo-advice vs. human-advice." Ruch Prawniczy, Ekonomiczny i Socjologiczny 82, no. 4 (2020): 303–17. http://dx.doi.org/10.14746/rpeis.2020.82.4.22.

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The paper presents the essence of financial technologies in personal financial planning, especially robo-advice. The main aim of the paper is to describe the presumptions for the development of robo-advice. An analysis of robo-advice on personal finance management was made. The analysis was based on a review of the subject literature, and on primary and secondary research. Particular attention was paid to the intensification of activities in the implementation of modern solutions and tools supporting the management of personal finances and the gradual development of robo-advisors. Modern solut

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Mamo, Jonada, Rovena Vangjel, and Merjeme Zyko. "The influence of innovation on personal financial management and financial literacy." Risk Governance and Control: Financial Markets and Institutions 14, no. 2 (2024): 54–64. http://dx.doi.org/10.22495/rgcv14i2p6.

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Financial planning evaluates a person’s financial goals by identifying the necessary steps to achieve them according to their financial resources. With the increased influence of technology on day-to-day life and the countless innovations, incorporating new opportunities into the financial planning process increases the possibilities of achieving settled purposes. Using smartphone applications to manage personal finances improves economic behaviour, knowledge, attitudes, and motivation. In this study, we will analyse the changes brought about by using cash management applications among young p

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Susanti, Ari, Era Trianita Saputra, Dewi Ika Octavia, Rahandhika Ivan Adyaksana, and Budi Istiyanto. "PENDAMPINGAN PEMBUATAN ARUS KAS SEDERHANA PADA KONVEKSI IBU SEMI DI POLOKARTO JAWA TENGAH (SUPPORT TO CREATE SIMPLE CASH FLOW IN CONVECTION IBU SEMI DI POLOKARTO JAWA TENGAH)." Jurnal Berdaya Mandiri 6, no. 2 (2024): 65–75. http://dx.doi.org/10.31316/jbm.v6i2.6343.

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The rapid development of MSMEs is not matched by the responsive attitude of MSME leaders. One of the problems faced by MSMEs is MSME Partner Konveksi Ibu Semi, where in terms of financial management, these MSMEs do not implement continuous recording of money inflows and outflows. This problem requires a strategy in the form of financial management assistance, including recording business cash flow and better separating personal and business finances. The method used is Action Research by providing understanding and training in the simple recording of cash flows using Excel. The steps performed

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Panu, Yosefa Renan. "The Influence of a Hedonistic Lifestyle, Consumptive Behavior and the Importance of Financial Literacy on Students' Personal Financial Management Asmadewa Dormitory Yogyakarta." INVOICE : JURNAL ILMU AKUNTANSI 6, no. 1 (2024): 112–23. https://doi.org/10.26618/inv.v6i1.13110.

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This research aims to examine and analyze the influence of hedonic lifestyle and consumer behavior on students' personal financial management, taking into account the importance of financial literacy. Hedonic lifestyles, which reflect an orientation toward instant pleasure and gratification, as well as consumerist behavior, characterized by the tendency to spend money impulsively and unplanned, have become a focus of attention in the study of personal finance. This study explores how consumer behavior and hedonic lifestyles can influence students' ability to manage their own finances. The rese

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