Family Financial Management Practices and Decision-Making Mechanisms among Interfaith Couples
DOI:
https://doi.org/10.21274/jeps.v7i01.12186Keywords:
Decision-Making Mechanism, Family Financial Management, Interfaith Couples, Marital CommunicationAbstract
This study examines family financial management practices and decision-making mechanisms among interfaith couples in which the husband is Muslim. Using a qualitative case study design, this research involved six main informants from three interfaith couples with marriage durations of three, twelve, and thirty-eight years, as well as two supporting informants, an Islamic economics scholar and a sharia finance practitioner. Data were collected through observation, semi-structured interviews, and documentation, guided by four indicators of family financial management (planning, organizing, controlling, and evaluating) as well as a framework on marital dynamics and value conflicts. The research findings indicate that financial management practices evolve adaptively according to the duration of marriage: younger couples tend to adopt structured and documented systems, while more established couples rely on habits and mutual understanding that have developed over time. The decision-making process was found to be influenced more by the quality of communication, the clarity of role division, and the accumulation of household experience than by religious differences themselves, with couples employing various adaptive strategies to manage potential value conflicts. This study makes an empirical contribution by demonstrating that religious differences are not the primary determinant of successful financial management in interfaith families, while also enriching the frameworks of family financial management and value conflict when applied to the context of interfaith families.
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