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All Journal Jurnal Psikologi JURNAL BISNIS STRATEGI Journal of Educational, Health and Community Psychology Psikohumaniora: Jurnal Penelitian Psikologi Indonesian Contemporary Nursing Journal (ICON Journal) Insight: Jurnal Ilmiah Psikologi Jurnal Darma Agung Indonesian Values and Character Education Journal
Dian Veronika Sakti Kaloeti
Dosen Fakultas Psikologi Undip
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Nursing Public Health Social Sciences Other

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Journal : JURNAL BISNIS STRATEGI

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Exploring Financial Stress: A Qualitative Study of Master`s Students Balancing Work and Postgraduate Studies Elsya, Venny Martha; Layyina, Ulya; Kaloeti, Dian Veronika Sakti
JURNAL BISNIS STRATEGI Vol 34, No 2 (2025): December
Publisher : Master of Management, Faculty of Economics and Business, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.34.2.88-102

Abstract

Objective: This qualitative research aims to provide deeper insight into master`s students who engage in dual roles as students and work simultaneously. It explored their financial stress based on the psychological and physiological responses to their financial condition.Methods: Interviews were conducted offline and online from various Indonesian universities in Semarang, Yogyakarta, Medan, Aceh, and Padang over the course of a month, each lasting approximately one hour. Participants' inclusion criteria were being a master's student in the current study, being employed, and being at least 21 years old. Following an intensive selection process, 9 students were chosen to take part. Transcripts were analysed using Atlas.ti 23 software through line-by-line open coding, following the principles of qualitative content analysis.Results: The five emerging subthemes provide financial stress responses for working master's students. The data reveal that the participants frequently experience anxiety and pressure due to insufficient income to cover basic necessities. The burden of such debt, identified as a significant source of stress, is worsened by an inability to set aside savings and a lack of financial literacy, which can lead to financial stress.Conclusion: The observed responses to financial stress in master’s students revealed important psychological and physiological indicators related to their financial status. It reveals a significant lack of financial literacy, which may serve as a proximal buffer to financial stress.
Co-Authors Al Karim, Chamilul Hikam Annastasia Ediati Ardhiani, Lusi Nur Ayu Kurnia S, Ayu Beta Kurnia Arriza Elsya, Venny Martha Endah Kumala Dewi Evitananda, Shella Farida Hidayati Hastaning Sakti Holyness Nurdin Singadimedja Indrawati, Nur Diana Josetta Maria Remila Tuapattinaja Karyono Karyono Kurniawan Teguh Martono Kwartarini Wahyu Yuniarti La Kahija, Yohanis Franz Layyina, Ulya Lufityanto, Galang Nabila, Nayla Arifatun Nabila, Tazkiya Ni Luh Indah Desira Swandi Salma Salma Sholihah, Khofifah Umi Sholikhah, Annisa Nur Hikmatus Sipayung, Clara Cindy Isabela Siswandi, Ahmad Gimmy Prathama Siti Nur Azizah, Siti Nur Suhartini Ismail, Suhartini Sumardi, Sulistia Nur Syauqila, Ghina