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Personal Financial Management Practices and Financial Decision Making among Career Women in Bengkulu City

Author

Listed:
  • Weni Susanti

    (Universitas Tridinanti, Sumatra Selatan, 30129, Sumatera Sealatan, Indonesia Author-2-Name: Kamaludin Author-2-Workplace-Name: Doktor Manajemen, Universitas Bengkulu, 38371, Bengkulu, Indonesia Author-3-Name: Berto Usman Author-3-Workplace-Name: Doktor Manajemen, Universitas Bengkulu, 38371, Bengkulu, Indonesia Author-4-Name: M.Bima Eka Putra Author-4-Workplace-Name: Doktor Manajemen, Universitas Bengkulu, 38371, Bengkulu, Indonesia Author-5-Name: Agus Riyadi Author-5-Workplace-Name: Doktor Manajemen, Universitas Bengkulu, 38371, Bengkulu, Indonesia Author-6-Name: Author-6-Workplace-Name: Author-7-Name: Author-7-Workplace-Name: Author-8-Name: Author-8-Workplace-Name:)

Abstract

" Objective - To explore personal financial management practices, financial decision-making, and the gap between economic independence and financial capability among career women in Bengkulu City. Methodology/Technique - A qualitative case study approach utilizing semi-structured interviews with 15 career women from government institutions, state-owned enterprises, and banking sectors. Data were analyzed using thematic analysis based on the Miles and Huberman interactive model. Findings - The study identified five major themes: budgeting practices, consumption orientation, debt reliance, saving and investment behavior, and long-term financial planning. Many respondents demonstrated limited financial capability, characterized by weak budgeting discipline, consumption-oriented spending, inadequate savings, and limited retirement planning, revealing that economic independence does not automatically translate into effective financial management. Novelty - The integration of Gender Role Theory and the Financial Capability Framework to explain how socio-cultural expectations and financial competence jointly shape the financial decision-making and sustainable well-being of career women. Type of Paper - Empirical"

Suggested Citation

  • Weni Susanti, 2026. "Personal Financial Management Practices and Financial Decision Making among Career Women in Bengkulu City," GATR Journals gjbssr677, Global Academy of Training and Research (GATR) Enterprise.
    • Handle: RePEc:gtr:gatrjs:gjbssr677
    DOI: https://doi.org/10.35609/gjbssr.2026.14.2(2)
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    Keywords

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    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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