The Effect of Financial Planning in Family Financial Well-Being Among Marginalised Communities at The City of Makassar

Dr. Rustan MSi
Lecturer, Faculty of Economics, Muhammadiyah University, Makassar, Indonesia
DOI – http://doi.org/10.37502/IJSMR.2025.81002

Abstract

Qualitative research using a phenomenological approach. The results of the study show that financial planning plays an important role in improving the welfare of marginalised families in Makassar City, who generally have low and irregular incomes, by organising income according to priorities, controlling expenditure, distinguishing between needs and wants, and building an emergency fund to deal with financial risks such as illness or job loss. Through disciplined planning, families can avoid wasteful spending, steer clear of high-interest debt, utilise income for business capital, and improve financial literacy, which in turn enhances financial awareness. Although its implementation is still constrained by low income, literacy, access to financial services, and a consumptive culture, this strategy has proven capable of strengthening economic resilience, opening up opportunities for increased income, and gradually realising long-term goals such as children’s education or home ownership.

Keywords: Planning, Finance, Family, Welfare, Marginalised

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