JURNAL MANAJEMEN MOTIVASI
Vol 22 No 1 (2026): Jurnal Manajemen Motivasi

Interaksi Dana Darurat Rasio Utang Terhadap Pendapatan dan Tabungan Pensiun Dalam Meningkatkan Ketahanan Finansial Rumah Tangga Indonesia

Mutmainnah (Unknown)
Goso (Unknown)
Rismawati (Unknown)

Article Info

Publish Date
09 Jun 2026

Abstract

Household financial resilience is increasingly important amid economic uncertainty. This study examines the effects of emergency funds, debt-to-income ratio, and retirement savings on household financial resilience, with financial literacy as a moderating variable. A quantitative survey was conducted involving 400 Indonesian households, and the data were analyzed using PLS-SEM. The results show that emergency funds and retirement savings positively affect financial resilience, while the debt-to-income ratio has a negative effect. Financial literacy strengthens the positive effects of emergency funds and retirement savings and mitigates the negative impact of debt burden. These findings highlight the importance of financial capability in enhancing household financial resilience.

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Journal Info
JURNAL MANAJEMEN MOTIVASI
Website

Abbrev

jm_motivasi

Publisher

Universitas Muhammadiyah Pontianak

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Manajemen Motivasi (JMM) adalah Jurnal Ilmiah Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Pontianak yang diterbitkan secara berkala 2 (dua) kali dalam satu tahun (Juni dan Oktober) sebagai sarana untuk menyebarluaskan hasil penelitian dan ilmu pengetahuan di bidang ilmu manajemen ...