<![CDATA[Financial literacy constitutes a multidimensional capability encompassing knowledge, skills, attitudes, and behaviors required to manage financial resources in a rational, adaptive, and long-term–oriented manner to achieve financial well-being. In rural contexts, financial literacy extends beyond cognitive understanding and is embedded in everyday practices shaped by specific socio-economic conditions. Accordingly, this study seeks to explore the understanding, application, and lived experiences of financial literacy among housewives in managing household finances, as well as the factors influencing such practices. This research adopts a qualitative approach with an exploratory design, focusing on housewives in Tasikmalaya Regency. The primary informants are housewives, supported by other family members to enrich data triangulation. Data were collected through in-depth interviews, observation, and documentation, and subsequently analyzed using an interactive process involving data reduction, data display, and conclusion drawing. The findings reveal that financial literacy is construed as an adaptive capacity to maintain household economic balance amid income constraints. It is predominantly practical in nature, reflected in expenditure management, prioritization of needs, and saving practices. Financial well-being is perceived holistically, encompassing basic needs fulfillment, financial management capability, a sense of financial security, and preparedness for emergencies. The determinants include life experience, social environment, and household income structure. These findings underscore financial literacy as a mechanism of economic resilience, highlighting the need for contextualized, simple, and applicable financial education programs.]]>
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