Pengaruh Literasi Keuangan, Religiusitas, dan Lingkungan Sosial terhadap Ketahanan Ekonomi Keluarga Pasca Pandemi Covid-19 di Kelurahan Margadana, Kota Tegal

Miftah Farid; Liana Fuadah

doi:10.30640/ekonomika45.v13i1.5224

Authors

Miftah Farid STIES Putera Bangsa Tegal
Liana Fuadah STIES Putera Bangsa Tegal

DOI:

https://doi.org/10.30640/ekonomika45.v13i1.5224

Keywords:

Financial literacy, religiosity, social environment, family economic resilience, post-pandemic

Abstract

This study aims to analyze the influence of financial literacy, religiosity, and social environment on family economic resilience in the post-Covid-19 period in Margadana Village, Tegal City. The Covid-19 pandemic has significantly affected the socio-economic conditions of communities, particularly in terms of family welfare and financial management capabilities. This research employs a qualitative approach with a case study design, involving heads of households, community leaders, religious figures, and local government officials as key informants. Data were collected through in-depth interviews, field observations, and documentation, and analyzed using Miles and Huberman’s interactive model, including data reduction, display, and conclusion drawing. The results reveal that sound financial literacy enables families to manage their economic resources effectively, religiosity shapes ethical and disciplined financial behavior, and the social environment provides both moral and material support that strengthens family resilience. These three factors interact synergistically to build family economic resilience in the post-pandemic era. The findings highlight the importance of enhancing financial literacy grounded in religious and social values as a sustainable strategy to strengthen community-based family welfare.

References

Ameliawati, M., & Setiyani, R. (2018). The influence of financial attitude, financial socialization, and financial experience to financial management behavior with financial literacy as the mediation variable. KnE Social Sciences, 3(10), 811–832. https://doi.org/10.18502/kss.v3i10.3174

Anaty, A., & Masrukhan, M. (2025). Peran koperasi pesantren dalam meningkatkan pendapatan dan kemandirian ekonomi santri: Studi kasus pada Ponpes Imam Syafi'i Brebes. Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah, 7(1), 45–58.

Badan Pusat Statistik Kabupaten Sidoarjo. (2021). Indikator kesejahteraan rakyat Kabupaten Sidoarjo tahun 2021. Sidoarjo: Badan Pusat Statistik.

Baker, A. R., & Montalto, C. P. (2019). Student loan debt and financial stress: Implications for academic performance. Journal of College Student Development, 60(1), 115–120. https://doi.org/10.1353/csd.2019.0008

Bashir, I., & Madhavaiah, C. (2015). Consumer attitude and behavioural intention towards internet banking adoption in India. Journal of Indian Business Research, 7(1), 67–102. https://doi.org/10.1108/JIBR-02-2014-0013

Boisclair, D., Lusardi, A., & Michaud, P. C. (2017). Financial literacy and retirement planning in Canada. Journal of Pension Economics & Finance, 16(3), 277–296. https://doi.org/10.1017/S1474747215000311

Brilianti, T. R., & Lutfi, L. (2020). Pengaruh pengetahuan keuangan, pengalaman keuangan, dan pendapatan terhadap perilaku keuangan keluarga. Journal of Business and Banking, 9(2), 197–213. https://doi.org/10.14414/jbb.v9i2.1762

Britt, S. L., Mendiola, M. R., Schink, G. H., Tibbetts, R. H., & Jones, S. H. (2016). Financial stress, coping strategy, and academic achievement of college students. Journal of Financial Counseling and Planning, 27(2), 172–183. https://doi.org/10.1891/1052-3073.27.2.172

Fatmawati, I., & Lutfi, L. (2021). Pengaruh lokus pengendalian dan pengetahuan keuangan pada perilaku manajemen keuangan generasi milenial dengan moderasi pendapatan. Jurnal Manajemen dan Keuangan, 10(1), 58–71. https://doi.org/10.33059/jmk.v10i1.3340

Hair Jr, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A primer on partial least squares-structural equation modeling (PLS-SEM). Sage Publications. https://doi.org/10.1007/978-3-030-80519-7

Henager, R., & Mauldin, T. (2015). Financial literacy: The relationship to saving behavior in low-to-moderate-income households. Family and Consumer Sciences Research Journal, 44(1), 73–87. https://doi.org/10.1111/fcsr.12120

Heo, W., Lee, J. M., & Rabbani, A. G. (2021). Mediation effect of financial education between financial stress and use of financial technology. Journal of Family and Economic Issues, 42(3), 413–428. https://doi.org/10.1007/s10834-020-09720-w

Herdjiono, I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Journal of Theory and Applied Management, 9(3), 226–241. https://doi.org/10.20473/jmtt.v9i3.3077

Humaira, I., & Sagoro, E. M. (2018). Pengaruh pengetahuan keuangan, sikap keuangan, dan kepribadian terhadap perilaku manajemen keuangan pada pelaku UMKM sentra kerajinan batik Kabupaten Bantul. Nominal, Barometer Riset Akuntansi dan Manajemen, 7(1), 96–110. https://doi.org/10.21831/nominal.v7i1.19363

Husna, N. A. I., & Lutfi, L. (2022). Perilaku pengelolaan keuangan keluarga: Peran moderasi pendapatan. Jurnal Samudra Ekonomi dan Bisnis, 13(1), 15–27. https://doi.org/10.33059/jseb.v13i1.3349

Iramani, R., & Lutfi, L. (2021). An integrated model of financial well-being: The role of financial behavior. Accounting, 7(3), 691–700. https://doi.org/10.5267/j.ac.2020.12.007

Jain, S., Khan, M. N., & Mishra, S. (2017). Understanding consumer behavior regarding luxury fashion goods in India based on the theory of planned behavior. Journal of Asia Business Studies, 11(1), 4–21. https://doi.org/10.1108/JABS-08-2015-0118

Kusnandar, D. L., & Kurniawan, D. (2018). Literasi keuangan dan gaya hidup ibu rumah tangga dalam membentuk perilaku keuangan keluarga di Kota Tasikmalaya. Seminar Nasional dan Call for Paper Sustainable Competitive Advantage, September, 1–13. https://doi.org/10.35448/jmb.v13i1.7920

Mahendru, M., Sharma, G. D., & Hawkins, M. (2022). Toward a new conceptualization of financial well-being. Journal of Public Affairs, 22(2), e2505. https://doi.org/10.1002/pa.2505

Masrukhan, M. (2024). Penerapan blockchain dalam manajemen wakaf dan zakat: Transformasi menuju transparansi dan akuntabilitas. Dharma Ekonomi, 31(2), 166–181. https://doi.org/10.59725/de.v31i2.153

Masrukhan, M., & Pramono, S. (2024). Pelatihan dan pembinaan ekonomi kreatif pada BUMDes dan PKK Desa Kaladawa. Jurnal Pelayanan Masyarakat, 1(2), 98–104.

Masrukhan, M., & Putri, N. W. (2025). Pelatihan kewirausahaan bagi wirausaha pemuda Karang Taruna dan PKK Desa Kaladawa, Kecamatan Talang, Kabupaten Tegal. Pemberdayaan Masyarakat: Jurnal Aksi Sosial, 2(1), 163–177.

Masrukhan, M., Judijanto, L., Timisela, S. I., Yasmita, I. G. A. L., & Suprayitno, A. (2024). Evaluasi dampak program kesejahteraan sosial terhadap kemiskinan dan ketimpangan sosial: Perspektif ekonomi. Jurnal Cahaya Mandalika, 3(2), 1193–1199. Retrieved from https://ojs.cahayamandalika.com/index.php/jcm/article/view/2213

Mutlu, Ü., & Özer, G. (2021). The moderator effect of financial literacy on the relationship between locus of control and financial behavior. Kybernetes: The International Journal of Systems & Cybernetics, 51(3), 1114–1126. https://doi.org/10.1108/K-01-2021-0062

Nuryana, I., & Wicaksono, A. B. (2020). Pengaruh sikap keuangan, teman sebaya, dan kecerdasan spiritual melalui kontrol diri terhadap perilaku pengelolaan keuangan. Economic Education Analysis Journal, 9(3), 940–958. https://doi.org/10.15294/eeaj.v9i3.42352

Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior. Journal of Consumer Affairs, 39(2), 299–313. https://doi.org/10.1111/j.1745-6606.2005.00016.x

Ponnet, K., Wouters, E., Goedemé, T., & Mortelmans, D. (2016). Family financial stress, parenting and problem behavior in adolescents: An actor-partner interdependence approach. Journal of Family Issues, 37(4), 574–597. https://doi.org/10.1177/0192513X13514409

Purwidianti, W., & Mudjiyanti, R. (2016). Analisis pengaruh pengalaman keuangan dan tingkat pendapatan terhadap perilaku keuangan keluarga di Kecamatan Purwokerto Timur. Benefit: Jurnal Manajemen dan Bisnis, 1(2), 141–148. https://doi.org/10.23917/benefit.v1i2.3257

Rahayu, D., Sofia, L., & Jannah, M. R. (2021). The role of social support in the family resilience in COVID-19 pandemic. Proceedings of ICLSSEE 2021.

Sabri, M. F., & Falahati, L. (2013). Predictors of financial well-being among Malaysian employees: Examining the mediate effect of financial stress. Journal of Emerging Economies and Islamic Research, 1(3), 1–16. https://doi.org/10.24191/jeeir.v1i3.9130

Sabri, M., Wijekoon, R., & Rahim, H. (2020). The influence of money attitude, financial practices, self-efficacy and emotion coping on employees' financial well-being. Management Science Letters, 10(4), 889–900. https://doi.org/10.5267/j.msl.2019.10.007

Saurabh, K., & Nandan, T. (2018). Role of financial risk attitude and financial behavior as mediators in financial satisfaction: Empirical evidence from India. South Asian Journal of Business Studies, 7(2), 207–224. https://doi.org/10.1108/SAJBS-07-2017-0088

Savari, M., & Gharechaee, H. (2020). Application of the extended theory of planned behavior to predict Iranian farmers' intention for safe use of chemical fertilizers. Journal of Cleaner Production, 263, 121512. https://doi.org/10.1016/j.jclepro.2020.121512

She, L., Rasiah, R., Turner, J. J., Guptan, V., & Sharif Nia, H. (2021). Psychological beliefs and financial well-being among working adults: The mediating role of financial behaviour. International Journal of Social Economics, 49(2), 190–209. https://doi.org/10.1108/IJSE-07-2021-0389

Stolper, O. A., & Walter, A. (2017). Financial literacy, financial advice, and financial behavior. Journal of Business Economics, 87(5), 581–643. https://doi.org/10.1007/s11573-017-0853-9

Taufique, K. M. R., & Vaithianathan, S. (2018). A fresh look at understanding green consumer behavior among young urban Indian consumers through the lens of theory of planned behavior. Journal of Cleaner Production, 183, 46–55. https://doi.org/10.1016/j.jclepro.2018.02.097

Widjaja, I., Arifin, A., & Setini, M. (2020). The effects of financial literacy and subjective norms on saving behavior. Management Science Letters, 10(15), 3635–3642. https://doi.org/10.5267/j.msl.2020.6.030

Yulianti, N., & Silvy, M. (2013). Sikap pengelola keuangan dan perilaku perencanaan investasi keluarga di Surabaya. Journal of Business and Banking, 3(1), 57–68. https://doi.org/10.14414/jbb.v3i1.254