FAKTOR DEMOGRAFIS DAN MENTAL ACCOUNTING Fenomena Pengelolaan Keuangan Dalam Rumah Tangga

Abstract

Abstract: Financial managing is a process in how to manage the financial sources systematically in fulfill the human need. In managing their financial, person sometimes think partially, therefore it can be unlogically using of money because of the mental accounting aspect on them. Even though it is not logic, someone is not necessary to worry because mental accounting does not affect negatively, it can be used as self-control in financial decision making. The research was done with the subjects was  employees of  Ambon City Governance especially female employees. Sample used in the research was 53 women who work in Ambon City Governance. Data was obtained by distributed the questioner.This study aimed to analyze the effect on the mental accounting  aspects Household financial management employees of Ambon City Governance especially women by adding demographic factors also influence a person's decision in the management of household finances such as gender , age, and income. In this study, analysis of the data that will be used is descriptive narrative analysis and chi -square test. Descriptive analysis is used to provide a narrative description of the phenomena observed in real contexts . While the chi -square analyzes of demographic influences on mental accounting. Where, perceptions and attitudes of individuals tend to have differences with their differences in gender, age, and education. Women's perceptions of the money will be different , as well as age and education influence the financial decisions in which one example is in managing household finances.

 

Keywords: financial management, mental accounting, demographic factors