Persepsi Mahasiswa Mengenai Manajemen Keuangan Pribadi Dalam Menghadapi Ancaman Resesi Ekonomi Di Indonesia

Abstract

The COVID-19 pandemic has triggered the threat  economic recession in Indonesia. This condition was strengthened by the increasing number unemployed and soaring prices basic goods and fuel oil. Economic growth in Indonesia is expected to show positive numbers periodically every quarter. However, people still have to be vigilant and prepare to face the threat economic recession. Including one of them, namely students in managing finances wisely and efficiently. The purpose of this research was to determine student perceptions of personal financial management in facing the threat  economic recession in Indonesia. This research method is descriptive qualitative which focuses on three indicators, namely budget preparation, emergency fund preparation, and savings measures. The population in this study were students Faculty of Economics and Business, Universitas Budi Luhur with  sample 265 respondents who were taken using a purposive sampling technique. Analysis  the data used in this study to measure student perceptions using score interpretation categories. The results of the study show that the budget preparation indicator is in the low category. The emergency fund preparation indicator is in the medium category. And for the indicator for saving action, it is in the low category. So that there is a low perception of students in preparing a budget, and they understand enough about the importance of emergency funds, but have not been able to take savings measures in the face  threat of an economic recession in Indonesia. Suggestion the students as millennial generation can improve their financial literacy by getting used to making budgets and routines saving to achieve personal financial well-being.

Keywords: Perception Student, Personal Financial Management, Recession Threat.