LOCAL WISDOM IN APPLYING FINANCIAL FAMILY PLAN ACCORDING TO SHARIA: LESSONS LEARNED FROM MUSLIMAH HOUSEWIVES IN MAGELANG INDONESIA

This study aims to examine the effect of financial literacy on family financial management and analyze the skills of housewives in moderating financial literacy in family financial management. This study used a quantitative method with a sociological, gender, and Islamic economic approach involving 191 housewives. The data collection methods were questionnaires also documentation and were analyzed in a moderating regression analysis. The results show that financial literacy has a positive, significant effect on family financial management, and the skills of housewives can be a moderating variable that strengthens the impact of financial literacy on family financial management. This indicates that the better the financial literacy, the more improved the family's financial management. In addition, the skills of housewives as moderating variables can strengthen their effect on family financial management.