FINANCE Framework untuk Individu: Membangun Pengelolaan Keuangan Pribadi yang Sehat Dikembangkan oleh Mohamad Haitan Rachman Pendahuluan Bagi banyak individu, mengelola keuangan pribadi sering kali menjadi tantangan yang sulit. Penghasilan terasa cepat habis, kebutuhan mendesak sering muncul tanpa perencanaan, dan tabungan tidak pernah mencapai target. Padahal, pengelolaan keuangan yang baik adalah fondasi untuk mencapai stabilitas hidup, mengurangi stres finansial, dan mempersiapkan …

Applying the FINANCE Framework in Public Organizations Developed by Mohamad Haitan Rachman Introduction Public organizations—whether they are government ministries, municipal administrations, or nonprofit agencies—play a critical role in shaping the well-being of society. Unlike private businesses that primarily pursue profit, public organizations are entrusted with resources that must be managed in the interest of citizens, stakeholders, and future generations. This …

FINANCE Framework: A Strategic Model for Effective and Sustainable Financial Management Developed by Mohamad Haitan Rachman Introduction Finance is the lifeblood of individuals, businesses, and organizations. Without proper financial management, both short-term and long-term goals become difficult to achieve. At the individual level, many people work hard but still feel their money disappears without direction. In business, especially SMEs and …