Housewives’ lifestyle and behavior of debt dependency on bank thitil

Abstract

The fulfillment of household needs can implement various strategies, including debt strategy. A money lending service becomes an attraction to fulfilling the needs of life. The money lending service on credit is known as bank thitil by Javanese. This study presents the factors that make housewives have a dependency behavior on bank thitil loans. This dependency behavior is examined from the perspective of the planned behavior theory by Ajzen. This study used a qualitative approach and the subjects of this study were housewives who have debt in bank thitil. Some factors encourage the dependency behavior of housewives on bank thitil loans. This research finds that the implementation of Ajzen’s planned behavior theory in analyzing the factors of indebted housewives is integrated with some factors, including (1) the influence of attitudes that assume the bank thitil provides benefits, (2) subjective norms in the form of lifestyle and environmental vicinity, and (3) social control that supports the housewives in borrowing money from the bank thitil.

Peran Istri dalam Pengambilan Keputusan Standar Operasional Prosedur (SOP) Petik Merah Kopi Robusta di Temanggung (Studi Kasus Petani Kopi Desa Gesing)

“…Budianto et al (2020) mengatakan bahwa salah satu alasan praktik petik merah dalam budidaya kopi belum menjadi prosedur baku salah satunya karena petani menganggap praktik petik merah merepotkan dan memakan waktu, sementara banyak kebutuhan yang harus segera dipenuhi. Khotimah et al (2022) juga mengatakan bahwa pemenuhan kebutuhan rumah tangga dapat dilakukan dengan berbagai strategi, termasuk strategi utang. Hal ini semata-mata untuk memenuhi kebutuhan hidup.…”