Manajemen Keuangan Mahasiswa Rantau Di Jember: Studi Kualitatif Mengenai Gaya Hidup Dan Perencanaan Keuangan Pribadi

Abstrak

This study explores how out-of-town students in Jember manage their personal finances and how lifestyle factors influence their financial behavior. Using a descriptive qualitative approach, data were collected through semi-structured interviews with six student participants selected purposively. The findings reveal that most respondents do not apply structured financial planning. Instead, they tend to manage their expenses intuitively, with minimal budgeting skills and limited financial knowledge. Furthermore, the research shows that social lifestyle pressures, such as peer acceptance and trend adaptation, significantly affect their consumption decisions, often leading to irrational spending. The study highlights the importance of contextual financial education that integrates psychosocial dynamics to foster healthier financial behavior among students living independently.