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

Weni Susanti ()
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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:

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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"

Keywords: Career Women; Financial Capability; Financial Literacy; Financial Decision-Making; Personal Financial Management. (search for similar items in EconPapers)
JEL-codes: D14 G51 J16 (search for similar items in EconPapers)
Pages: 9
Date: 2026-06-30
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Published in Global Journal of Business and Social Science Review, Volume 14, Issue 2

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Persistent link: https://EconPapers.repec.org/RePEc:gtr:gatrjs:gjbssr677

DOI: 10.35609/gjbssr.2026.14.2(2)

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