PENGARUH DISIPLIN KEUANGAN DAN PERENCANAAN KEUANGAN JANGKA PANJANG TERHADAP PENGELOLAAN KEUANGAN RUMAH TANGGA

This study aims to analyze the effect of financial discipline and long-term financial planning on household financial management in improving family financial stability. Effective financial management is an important factor in maintaining household economic stability, especially for middle- to lower-income households that are more vulnerable to financial problems. This study employs a quantitative approach with an associative research design. The data were collected from 100 household respondents in Malang City selected using purposive sampling. Data collection was conducted through questionnaires using a 5-point Likert scale and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS SEM) method with the assistance of SmartPLS software. The results indicate that financial discipline has a positive and significant effect on household financial management, with a coefficient value of 0.261 and a p-value of 0.003. In addition, long-term financial planning also has a positive and significant effect, with a coefficient value of 0.703 and a p-value of 0.000. These findings suggest that the implementation of good financial discipline and long-term financial planning plays an important role in improving the quality of household financial management and reducing long-term dependence on external financial sources.