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All Journal JURNAL BISNIS STRATEGI INSAN Jurnal Psikologi dan Kesehatan Mental Seurune : Jurnal Psikologi Unsyiah
Layyina, Ulya
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences

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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.
Evolving Trends in Financial Stressor Research Across the Asian Continent: A Systematic Review and Bibliometric Analysis Using VOSviewer Elsya, Venny; Layyina, Ulya
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.34.2.103-117

Abstract

Objectives: This study examines financial stressor research trends in Asia from 2015 to 2024, aiming to identify thematic priorities, collaboration networks, and existing gaps, thereby offering evidence for policy development and future research directions.Methods: Following PRISMA guidelines, a total of 1,149 peer-reviewed articles from Scopus, Science Direct, and Google Scholar were examined. VOSviewer (version 1.6.19) was chosen for its ability to visualize extensive datasets via co-authorship networks, keyword co-occurrence maps, and bibliographic coupling. The software’s clustering algorithms revealed research hotspots and collaboration trends, applying keyword thresholds of 15 citations for co-citation analysis and 8 occurrences for thematic mapping.Results: Post-2020, publications surged by 78.3%, driven by COVID-19 impacts. China (26.8%), India (17.2%), and South Korea (9.7%) dominated output, while cross-country collaborations (e.g., China-U.S.: 47 papers) highlighted global linkages. VOSviewer revealed five top keywords from those articles: financial stress (21.3% of studies), financial stability (18.7%), economic policy uncertainty (17.5%), financial literacy emerged as a critical mitigator appearing in 18.7% by 2023 studies and food insecurity on rural populations (6.2% ) and cross-country comparisons (7.8%).Conclusion: Mapping financial stressors across the Asian continent using VOSviewer's strong analytical tools can highlight key stressors and gaps to be resolved. These research findings could be beneficial to inform the financial policy of the state or government, including addressing the lack of financial literacy, which can serve as a proximal buffer against financial stress.
Co-Authors Dahlia Dahlia Dian Veronika Sakti Kaloeti Elsya, Venny Elsya, Venny Martha faradina, Syarifah Nisa, Haiyun Novi Qonitatin Zaujatul Amna, Zaujatul