Keuangan Personal
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Keuangan Personal
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Author : Nur Khusniyah Indrawati
language : id
Publisher: Universitas Brawijaya Press
Release Date : 2023-12-31
Keuangan Personal written by Nur Khusniyah Indrawati and has been published by Universitas Brawijaya Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-12-31 with Business & Economics categories.
Pengeloaan keuangan seseorang ditunjukkan dengan perilaku dalam membelanjakan uangnya. Banyak pengeluaran yang dilakukan tidak secara bijaksana, yaitu tidak pada need melainkan lebih banyak didasarkan pada want sehingga pendapatan yang diterima seseorang lebih banyak dialokasikan untuk komsumsi dan kurang memperhatikan tabungan, investasi, dan asuransi untuk persiapan kehidupan di masa mendatang. Selain itu, perilaku hedonisme juga berdampak pada munculnya masalah keuangan dalam kehidupan seseorang sehingga financial trade-offnya condong kepada pengeluaran lebih banyak untuk konsumsi yang memberi kebahagiaan sesat dibandingkan dengan kesejahteraan di kemudian hari. Strategi mengelola uang juga penting untuk dilakukan seseorang dan menjadi bagian yang dibahas dalam buku ini. Target dari materi ini adalah diketahuinya kekayaan bersih seseorang dan hasilnya dapat menjadi bahan evaluasi dalam pengeluaran uang. Untuk itu, dalam buku ini dibahas tentang penyusunan laporan keuangan personal dan arus kas, seperti Neraca Personal, Laporan Arus Kas Personal, dan Anggaran Kas Personal. Buku ini menjadi dasar dalam menyusun perencanaan keuangan personal terutama dalam pemilihan instrumen investasi atau tabungan. Instrumen investasi ini dapat berupa aset fisik seperti, tanah, rumah, real estate lainnya, logam mulia, permata, dan barang-barang koleksi yang mempunyai nilai tinggi; dan aset nonfisik/keuangan seperti saham, obligasi, reksa dana. Pemilihan instrumen investasi ini dipengaruhi oleh profil risiko seseorang. Profil risiko (sangat konservatif, konservatif, moderat, dan agresif) yang dimiliki seseorang ini kemudian mengarahkan seseorang untuk memilih portofolio investasinya. Terbitnya buku Keuangan Personal: Perencanaan Investasi dan Pajak ini sangat dibutuhkan oleh mahasiswa Fakultas Ekonomi dan Bisnis serta masyarakat yang berminat untuk berinvestasi di instrumen keuangan dan mengisi kekosongan literatur terutama dalam edisi Bahasa Indonesia yang sangat dibutuhkan. Guna melengkapi pemahaman dalam berinvestasi, buku ini juga dilengkapi dengan pembahasan pajak sesuai dengan jenis istrumen keuangan yang dipilih. Buku Keuangan Personal: Perencanaan Investasi dan Pajak ini disusun dan ditulis dengan bahasa yang mudah dipahami, lengkap, disajikan secara jelas, dan mudah dipahami karena disertai contoh-contoh yang sangat jelas dan latihan-latihan yang diberikan baik kualitatif maupun kuantitatif. Terbitnya buku ini akan menambah khazanah ilmu pengetahuan dan menjadi referensi yang sangat berguna di bidang keuangan khususnya keuangan personal.
Perilaku Manajemen Keuangan Personal Untuk Generasi Milenial Pada Sektor Pariwisata Dalam Rangka Mendukung Pengembangan Ekonomi Halal Di Kabupaten Bangkalan Dan Sampang Di Madura
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Author : Evaliati Amaniyah, S.E., M.S.M., dan Purnamawati, S.E.,M.Si
language : id
Publisher: Penerbit Adab
Release Date :
Perilaku Manajemen Keuangan Personal Untuk Generasi Milenial Pada Sektor Pariwisata Dalam Rangka Mendukung Pengembangan Ekonomi Halal Di Kabupaten Bangkalan Dan Sampang Di Madura written by Evaliati Amaniyah, S.E., M.S.M., dan Purnamawati, S.E.,M.Si and has been published by Penerbit Adab this book supported file pdf, txt, epub, kindle and other format this book has been release on with Business & Economics categories.
Judul : Perilaku Manajemen Keuangan Personal Untuk Generasi Milenial Pada Sektor Pariwisata Dalam Rangka Mendukung Pengembangan Ekonomi Halal Di Kabupaten Bangkalan Dan Sampang Di - Madura Penulis : Evaliati Amaniyah, S.E., M.S.M., dan Purnamawati, S.E.,M.Si Ukuran : 15,5 x 23 cm Tebal : 160 Halaman No ISBN : 978-623-5314-70-9 Tahun Terbit : Juli 2022 SINOPSIS Di dalam buku ini membahas tentang faktor-faktor yang mempengaruhi perilaku pengelolaan keuangan personal sektor pariwisata dengan memeriksa hubungan antara empat faktor yang meliputi sikap keuangan personal, pengetahuan keuangan, lokus pengendalian dan perilaku pengelolaan keuangan sektor pariwisata dalam bisnis halal. Model penelitian diuji dengan menggunakan pendekatan kuantitatif. Data diambil dengan purposive sampling dan dikumpulkan melalui survey lapangan terhadap generasi milienial di kabupaten Sampang dan Bangkalan dengan tahun lahir dari 1993-2001. Data yang dapat diperoleh dari lapangan sebanyak 360 dan secara kebelulan porsi dari laki-laki dan perempuan jumlahnya sama. Dalam penelitian ini, penggunaan pengujian dan analisis dilakukan secara bertahap yang dimulai dari uji validitas dan reliabilitas, dan uji path analysis. Diharapkan riset ini menghasilkan temuan tiga faktor kunci yang memiliki pengaruh langsung terhadap perilaku pengelolaan keuangan. Hasil yang diperoleh bahwa sikap keuangan, pengetahuan keuangan, dan locus of control berpengaruh positif dengan perilaku pengelolaan keuangan. Sebaliknya, pengetahuan keuangam tidak mampu menjadi mediator sikap keuangan terhadap perilaku pengelolaan keuangan sektor pariwisata. Begitu pula, locus of kontrol eksternal tidakmampumemediasiperilaku pengelolaan keuangan sektor pariwisata. Temuan ini dapat menjadi referensi yang berguna untuk mengembangkan teori perilaku yang berkaitan dengan manajemen keuangan personal di sektor pariwisata di wilayah Madura.
Personal Financial Planning
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Author : Shalu Garg
language : en
Publisher: Sultan Chand & Sons
Release Date : 2024-02-15
Personal Financial Planning written by Shalu Garg and has been published by Sultan Chand & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-02-15 with Business & Economics categories.
"Personal Financial Planning" is a comprehensive guide that aligns with the latest guidelines issued by the University of Delhi. Tailored to cover the entire syllabus, this book serves as an indispensable resource for students seeking a thorough understanding of personal finance. It delves into key aspects such as budgeting, investment strategies, risk management, and financial goal setting.With its up-to-date information and adherence to university guidelines, "Personal Financial Planning" is designed to empower students with the knowledge and skills needed to navigate the complex landscape of personal finance successfully. Whether you're a student or an enthusiast eager to enhance your financial literacy, this book is a reliable and up-to-date reference that ensures a comprehensive grasp of the subject matter.
Cerdas Mengelola Keuangan Pribadi
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Author : Herlina P Dewi
language : id
Publisher: Stiletto Book
Release Date : 2020-07-21
Cerdas Mengelola Keuangan Pribadi written by Herlina P Dewi and has been published by Stiletto Book this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-07-21 with Business & Economics categories.
Berbagai masalah berkaitan dengan keuangan pribadi akan dibahas dengan detail dalam buku ini, seperti: - Cara membuat dan mengelola anggaran - Cerdas mengatur pengeluaran - Menyiasaiti ‘pengeluaran nakal’ perempuan - Pentingnya perempuan menabung - Memilih produk asuransi dan investasi. - Dan lain-lain Bagi Anda yang sudah menikah, dalam buku ini juga dibahas keuangan suami-istri, yang menjawab berbagai pertanyaan, seperti: - Apakah sebaiknya si istri tetap bekerja? - Bagaimana mengelola anggaran keluarga? - Pengeluaran apa yang bisa dipangkas? - Dan lain-lain Buku ini juga dilengkapi dengan kuis, tabel-tabel simulasi, serta contoh-contoh kasus yang sering dialami perempuan, sehingga akan sangat mudah dicerna dan dinikmati. So, say YES to financial freedom, Ladies!
Personal Finance
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Author : Jeff Madura
language : en
Publisher: Prentice Hall
Release Date : 2012-12-31
Personal Finance written by Jeff Madura and has been published by Prentice Hall this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-31 with Finance, Personal categories.
Directed primarily toward undergraduate finance majors, this text also provides practical content to current and aspiring industry professionals, or anyone interested in learning how to manage their personal finances. Personal Finance takes a hands-on approach to building a financial plan. The text's seven parts each cover one section of a financial plan; Chapter 21 is the capstone. A running example throughout the book and a variety of end-of-chapter cases reinforce the practical aspects of planning.
Personal Finance Desk Reference
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Author : Ken Little
language : en
Publisher: Dorling Kindersley Ltd
Release Date : 2007-04-03
Personal Finance Desk Reference written by Ken Little and has been published by Dorling Kindersley Ltd this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007-04-03 with Business & Economics categories.
One-stop shopping for all things financial. Personal finances are becoming more and more complex. And this is the only comprehensive reference book on this sprawling subject. Beginning with the basics of financial planning (budgeting, interest, banking, insurance, and debt), this helpful guide covers everything people need to know about handling every aspect of their financial world, including investing, taxes, retirement, estate planning, and more.
Personal Finance
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Author : George Callaghan
language : en
Publisher: Wiley
Release Date : 2008-07-22
Personal Finance written by George Callaghan and has been published by Wiley this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-07-22 with Business & Economics categories.
What you really need to know about personal finance! High levels of unsecured debt, diminishing pensions, and rising student fees are just some of the mounting financial challenges we face today – are we equipped to cope? Personal Finance is an innovative new book aimed at anyone who would like to build ability and confidence in making financial decisions. It distils important but complex concepts into useable form and relates them to actual experience. Effective money management skills are key, not just now but throughout your life, and a four-step practical financial planning model helps you identify and evaluate potential choices and update personal financial plans according to lifestyle changes. Written by a team of academic and teaching specialists in Economics and Business, this is a ‘must have’ book for anybody that wants their money to work as hard as they do! Coverage includes: Income, expenditure, and budgeting Borrowing and debt Savings and investments Housing Financial Balance Sheets Pensions and retirement planning Caring and sharing Insurance “I actually found this quite mouth watering and couldn't help agree with the authors that this is an area that is becoming increasingly important and probably not catered for in the book market.” Andrew Hutchinson, Nationwide Building Society “I have read the Synopsis and three draft chapters of ‘Personal Finance’ with interest and feel sure that the proposed book will prove a valuable tool in the quest to achieve a greater degree of financial literacy in the UK. Overall, I think the proposal is one which is much needed, well thought out and should be very well received by a wide potential readership.” Mike Griffiths, Associate Consultant with the Chartered Institute of Public Finance and Accountancy “In its standalone capacity the public will buy it as a reference to personal money management, which is not yet really considered a 'science' by the masses. They buy DIY books to understand how to hang shelves, but do not currently appreciate there is 'best practice' available that will assist them in making the best decisions regarding their finances and their future ." Keith Taylor, General Manager UK Sales – Lloyds TSB About the Authors: George Callaghan, Ian Fribbance and Martin Higginson are Lecturers, Department of Economics, The Open University. Contributing authors include published experts in economics, investment, consumer spending, money management, distance learning; and the former head of Money Group at WHICH? magazine.
Strategies In Personal Finance
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Author : Keith V. Smith
language : en
Publisher: Purdue University Press
Release Date : 2005
Strategies In Personal Finance written by Keith V. Smith and has been published by Purdue University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
Every family should have financial goals for the future. Being unprepared can lead to monetary chaos. Financial Management of Your Future deals with strategies for accomplishing financial goals. What investment returns are necessary to achieve explicit family goals? How are returns logically related to risks for investment opportunities that are considered? Can different families have different tolerances for experiencing investment risk? Why is asset allocation the key investment decision for most families? What are the characteristics and valuations of bonds, stocks, mutual funds, real estate and international securities that a family might consider? How should a family construct, monitor, and revise a portfolio of investments over time? How should careful estate planning be done by a family in order to delay or avoid taxes in passing on property to their children, grandchildren, and favorite charities? And how can some of the concepts and techniques from "modern portfolio theory" be helpful to a family as it attempts to answer these questions? This book deals with financial strategies for three adult age categories: (1) Families of ages twenty to forty in the earlier years of active employment, child raising, and the beginning of saving for retirement; (2) Families of ages forty to sixty in their years of maximum income, high educational expenses for their children, and more serious thinking about forthcoming retirement; and (3) Families of ages sixty to eighty having retired or approaching full retirement.
Personal Finance For Dummies
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Author : Eric Tyson
language : en
Publisher: John Wiley & Sons
Release Date : 2018-11-13
Personal Finance For Dummies written by Eric Tyson and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-11-13 with Business & Economics categories.
Take stock of your financial situation From budgeting, saving, and reducing debt, to making timely investment choices and planning for the future, Personal Finance For Dummies provides fiscally conscious readers with the tools they need to take charge of their financial life. This new edition includes coverage of an extensive new tax bill that took effect in 2018 and the impact on individuals, families, small businesses, and on real estate and investing decisions. Plus, it covers emerging investing interests like technology and global investing, cryptocurrencies, pot stocks, the lifestyle changes occurring with millennials, and more. Evaluate and manage your financial fitness Assess your credit report and improve your score Make smart investments in any economic environment Find out about international investing The expert advice offered in Personal Finance For Dummies is for anyone looking to ensure that their finances are on the right track—and to identify the areas in which they can improve their financial strategies.
The Finance Navigator
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Author : Kaustuva Pradhan
language : en
Publisher: Kaustuva Pradhan
Release Date :
The Finance Navigator written by Kaustuva Pradhan and has been published by Kaustuva Pradhan this book supported file pdf, txt, epub, kindle and other format this book has been release on with Business & Economics categories.
The Finance Navigator: Navigating the Complex World of Personal Finance and Investing is a comprehensive guide to personal finance and investing that provides readers with the knowledge and tools they need to successfully navigate the often confusing and intimidating world of finance. In today's world, personal finance and investing can be overwhelming and complex, and many people struggle to understand the ins and outs of managing their money. The Finance Navigator aims to provide readers with a clear and concise overview of personal finance and investing, making it easy to understand and implement best practices for financial success. Written by an experienced financial expert with over years of experience in the industry, The Finance Navigator covers a wide range of topics, including budgeting, debt management, investing, retirement planning, and more. The book is designed to be a comprehensive guide for readers who are new to finance or who are looking to expand their knowledge of the subject. The book begins by providing readers with an overview of personal finance and the importance of financial planning. It then delves into the details of budgeting, providing readers with practical tips for creating and sticking to a budget. The author also addresses common financial mistakes and provides advice on how to avoid them. One of the key strengths of The Finance Navigator is its focus on debt management. The author recognizes that many people struggle with debt and provides practical strategies for getting out of debt and staying out of debt. The book also covers credit scores and provides advice on how to improve your credit score. Investing is another important topic covered in The Finance Navigator. The author provides readers with an overview of different types of investments, including stocks, bonds, mutual funds, and real estate. The book also covers the basics of investment strategies and provides readers with guidance on how to create an investment portfolio. Retirement planning is another important topic covered in The Finance Navigator. The author provides readers with an overview of retirement planning, including the importance of saving for retirement and the different types of retirement accounts available. The book also covers Social Security and provides guidance on how to maximize your benefits. In addition to these topics, The Finance Navigator also covers other important aspects of personal finance, such as insurance, taxes, and estate planning. The book provides readers with a comprehensive overview of these topics, making it easy to understand and implement best practices for financial success. One of the strengths of The Finance Navigator is its practical approach to personal finance and investing. The author provides readers with practical advice and strategies that can be easily implemented in their daily lives. The book also includes real-world examples and case studies, making it easy for readers to relate to the material. Overall, The Finance Navigator is an excellent resource for anyone looking to improve their financial literacy and successfully navigate the complex world of personal finance and investing. Whether you are just starting out in your career or are nearing retirement, this book provides valuable insights and practical strategies for achieving financial success. Highly recommended for anyone looking to take control of their finances and achieve their financial goals.