CHALLENGES AND FINANCIAL PLANNING TO ACHIEVE WELL-BEING LIVES OF SINGLE MOTHERS IN TERENGGANU

This article aims to analyze the life challenges experienced by single mothers as well as financial planning to achieve the well-being of single mothers in Terengganu. This study uses a quantitative approach. The study location involves eight districts in the state of Terengganu. The number of respondents involved in this study is a total of 612 single mothers, which is a total of 468 divorced people alive and a total of 144 divorced people dead. The data collection process is obtained through three methods, namely through surveys, online (google form) and phone calls. This study uses descriptive correlation analysis involving frequency, percentage, mean, standard deviation and score. The results of the study show that a total of 515 people with a percentage value of 84.1% face the challenge of not being able to own a vehicle to work, not being able to fill up with petrol (for those who own a vehicle), and not being able to pay the wages of babysitters who are still small. The main cause of financial challenges is no salary or source of income with a total of 505 people with a percentage value of 82.5%. The results of the study also found that a total of 469 single mothers (76.6%) have decided to set more specific financial goals for future well-being. In conclusion, life as a single mother is found to be very challenging. Therefore, single mothers should immediately act to improve the well-being of life. The implications of this study can be shown from the aspect of the implementation of training programs and assistance from the agencies involved that lead to interest and opportunities to generate income among single mothers.