FINANCIAL MANAGEMENT OF WASTE PICKERS’ INCOME IN DEVELOPING THE FAMILY ECONOMY IN MAKASSAR CITY

Author: Dr Rustan 

ABSTRACT

Qualitative research using a phenomenological approach. The results of the study show that financial management for scavengers in Makassar is very important to ensure that limited income can meet the basic needs of the family. By wisely managing income and expenditure, setting aside a portion for savings, and avoiding non-urgent expenses, waste pickers can strengthen the economic stability of their households. Although daily income is often uncertain, a disciplined management pattern can help them overcome sudden difficulties such as health costs or children’s educational needs. The financial management strategies of waste pickers need to be adapted to the economic conditions of families, which generally have low and fluctuating incomes. Effective approaches include creating a simple budget, prioritising basic needs, utilising additional income from side jobs, and avoiding consumer debt. In addition, the involvement of all family members in controlling expenditure and utilising free or low-cost resources such as government assistance and community training will support the financial efficiency of waste picker families.

Keywords: Management, Developing, Family, Economic, Financial

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