摘要：The main objective of this research is to find out primary personal finance problem in Indonesia. A lot of people do not realize that they need financial knowledge to make financial decision. It leads to bounded rationality when they do the financial decision. Financial problem commonly not different years by years, then by collection financial problem this research could spread and warn other people not to fall into same problem. This research collecting data by questionnaire. Total 360 respondent fill in the questionnaire. The result successfully identify there are several topics in personal finance that become main problem. There are, have no finance plan, debt management and excessive spending. This research imply that we should focus on that topic on educating people in personal finance.
