Pengelolaan Kegiatan Usaha dan Manajemen Keuangan Rumah Tangga Dalam Menghadapi Situasi New Normal

Malau, Melinda and Sinaga, Parlin and Sianturi, Hiras and Tampubolon, Sarmedi (2021) Pengelolaan Kegiatan Usaha dan Manajemen Keuangan Rumah Tangga Dalam Menghadapi Situasi New Normal. IKRA-ITH ABDIMAS, 4 (1). pp. 19-25. ISSN 2654-7546

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Abstract

Pandemi Covid-19 telah mengubah pola hidup, cara bekerja, dan pola interaksi sosial masyarakat. Perkumpulan orang dalam jumlah banyak mulai harus dikurangi. Penyebaran virus Covid-19 juga mempengaruhi keuangan rumah tangga karena banyak usaha atau bisnis yang terpaksa tutup, dan banyak pegawai yang terpaksa harus dikurangi jam kerjanya untuk membantu mengurangi risiko penyebaran virus. Perekonomian Indonesia juga tumbuh melambat, bahkan Bank Indonesia (BI) memproyeksikan pertumbuhan ekonomi Indonesia hanya sekitar 4,6% bila dibandingkan kondisi biasanya yang bisa mencapai angka 5,4%. Perubahan pasar mempengaruhi keuangan rumah tangga saat ini. Kondisi ini menyadarkan kita betapa pentingnya memiliki dana darurat. Untuk itu, tetaplah berinvestasi. Kita harus dapat menyesuaikan anggaran rumah tangga kita untuk menutupi biaya tambahan selama masa di rumah saja, kita juga harus mengurangi porsi investasi kita. Sehingga finansial rumah tangga tetap baik dan kebutuhan dasar keluarga terpenuhi. Kata kunci: Keuangan, Rumah Tangga, Perekonomian, Investasi. / The Covid-19 pandemic has changed lifestyles, ways of working, and patterns of social interaction. The gathering of people in large numbers began to be reduced. The spread of the Covid-19 virus also affects household finances because many businesses have been forced to close, and many employees have had to reduce their working hours to help reduce the risk of spreading the virus. The Indonesian economy is also growing at a slower pace. In fact, Bank Indonesia (BI) projects that Indonesia's economic growth will only be around 4.6% when compared to normal conditions which could reach 5.4%. Market changes affect household finances today. This condition makes us realize how important it is to have an emergency fund. For that, keep investing. We must be able to adjust our household budget to cover additional costs during our time at home, we must also reduce our investment portion. So that household finances remain good and basic family needs are met. Keywords: Finance, Household, Economy, Investment.

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