Abstract
Qualitative Research Type through a phenomenological approach, The results of the study indicate that the socio-economic behavior of marginalized communities in managing family finances in Makassar City is influenced by low and irregular income, limited financial knowledge, and limited access to formal financial institutions. They tend to manage their finances in a consumptive manner, focus on meeting daily needs, and rely on informal loans with high interest rates. The culture of mutual cooperation helps, but can also make things worse if debts are not paid. To improve financial management, financial education that teaches budgeting and savings and access to microfinance institutions with low loans is very important. With the right intervention, they can improve family welfare and overcome economic difficulties.
Keywords
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