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All Journal Journal of Educational, Health and Community Psychology
Irni Rahmayani Johan
Faculty of Social Sciences and Human Ecology, IPB University, Bogor, Indonesia
Education Public Health

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Psychological Well-Being among Working Students: Associations of Religiosity, Frugal Behavior, and Financial Resilience Afifa Ahmi Nisa; Lilik Noor Yuliati; Irni Rahmayani Johan
Journal of Educational, Health and Community Psychology VOL 15 NO 3 SEPTEMBER 2026
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jehcp.vi.32645

Abstract

The growing number of students working while pursuing higher education highlights the need to understand factors associated with their psychological well-being. This study examined the associations among religiosity, frugal behavior, and financial resilience with the psychological well-being of working students. A quantitative explanatory survey was conducted with 195 Indonesian Muslim working students aged 18–25, recruited through voluntary sampling. Data were analyzed using PLS-SEM with a disjoint two-stage approach. The results indicated that religiosity was positively associated with financial resilience, which, in turn, was positively associated with psychological well-being, as reflected in a significant indirect association of religiosity with psychological well-being via financial resilience. Frugal behavior, however, was significantly and negatively associated with psychological well-being. Given the modest explanatory power of the model, these findings should be interpreted as statistical associations rather than causal effects. Nevertheless, they suggest that strengthening financial resilience may represent a practical strategy for supporting the psychological well-being of working students through university and stakeholder initiatives.
Co-Authors Afifa Ahmi Nisa Lilik Noor Yuliati