EFFECTIVENESS OF DAILY LABOR INCOME MANAGEMENT IN FULFILLING DAILY LIVING NEEDS IN MAKASSAR CITY

Abstract: Management of daily laborer income in Makassar City is an important socio-economic issue because most workers work in the informal sector with unstable daily income. Their income is generally used for basic needs, such as food and transportation, without allocation for savings or investment. The main obstacles include income instability, lack of financial literacy, cost of living pressure, dependence on the informal sector without social security, and limited access to formal financial services. Solutions that can be implemented include increasing financial literacy, reducing cost of living pressure, and expanding access to formal financial services to support longterm financial planning and improve the welfare of daily laborers.