Analysis of Budget Management Strategy Implementation in Improving Personal Financial Management of Accounting Department Students at State Polytechnic of Malang Kediri Campus.
Keywords:
Personal Finance, College Students, Budget Management, StrategyAbstract
This study aims to analyze budget the implementation of budget management strategies in improving the personal financial management of students in Accounting Department of D-IV Finance Program State Polytechnic of Malang, Kediri Campus. This study employed a qualitative approach with a descriptive research design. The research data consisted of primary and secondary data which were obtained through in-depth interviews with six informants who were selected by using purposive sampling. The data were analyzed by using Miles and Huberman’s interactive analysis model, through data collection, data reduction, data presentation and drawing conclusions. The findings indicate that students demonstrated relatively good personal financial management practices through determining prioritized needs, financial recording and setting aside funds for savings, although there was impulsive spending. The implementation of budget management strategies included budget planning, determining prioritization scale, controlling expenditure, financial record-keeping and evaluating budget usage periodically. The effectiveness of the strategy depended primarily on students' consistency in implementing their budget and controlling their spending and they did not depend on particular budgeting method. Accounting Department was expected to strengthen education and give guidance on personal financial management through applicative activities.
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