Mengungkap Pemaknaan Literasi Keuangan Bagi Pasangan Muda Dalam Dinamika Tekanan Ekonomi Dan Risiko Perceraian
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Hasil penelitian menunjukkan bahwa literasi keuangan dimaknai sebagai kemampuan memahami, mengelola, merencanakan, dan mengambil keputusan keuangan secara bertanggung jawab untuk memenuhi kebutuhan keluarga serta mempersiapkan masa depan. Pemaknaan tersebut berkembang melalui pengalaman hidup setelah menikah dan tidak hanya dipahami sebagai kemampuan teknis mengatur uang, tetapi juga sebagai bentuk tanggung jawab terhadap pasangan dan keluarga. Dalam menghadapi tekanan ekonomi, pasangan menerapkan berbagai strategi seperti penyusunan anggaran, pencatatan keuangan, pengendalian pengeluaran, menabung, berinvestasi, dan membangun komunikasi keuangan yang lebih terbuka. Selain itu, literasi keuangan dipandang sebagai faktor penting yang membantu menciptakan stabilitas ekonomi, meningkatkan keterbukaan dan komunikasi, mengurangi konflik, serta mendukung keberlangsungan pernikahan. Namun demikian, keberlangsungan pernikahan tidak hanya ditentukan oleh faktor keuangan, melainkan juga oleh komitmen, kepercayaan, tanggung jawab, dan kasih sayang antar pasangan.
Penelitian ini menyimpulkan bahwa literasi keuangan memiliki dimensi ekonomi, psikologis, dan relasional yang saling berkaitan dalam kehidupan pernikahan pasangan muda. Literasi keuangan berfungsi sebagai mekanisme adaptasi yang membantu pasangan menghadapi tekanan ekonomi sekaligus memperkuat ketahanan dan keberlangsungan keluarga.
Kata kunci: Literasi Keuangan, Pasangan Muda, Tekanan Ekonomi, Risiko Perceraian, Fenomenologi.
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DOI: https://doi.org/10.37531/mirai.v11i1.12024
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