Financial literacy and digital technology in building the resilience of retired migrant families

Thoat Stiawan (Faculty of Islamic Studies and Civilization, Muhammadiyah University of Surabaya)
Idzi Layyinnati (Faculty of Islamic Education, Muhammadiyah College of Islamic Education Paciran)
Salman Al Farisi (Faculty of Islamic Studies and Civilization, Muhammadiyah University of Surabaya)

Jurnal Ekonomi dan Bisnis
Vol. 29 No. 1 (2026)

This study examines the economic resilience of retired migrant families in Solokuro Village, Lamongan Regency. The main issue faced is the low level of financial literacy and utilization of digital technology, which impacts economic instability post-migration. The purpose of this study is to analyze the influence of financial literacy and digital technology adaptation on the economic stability of retired migrant families and to identify strategies for improving financial literacy and digital financial services. This research employs a descriptive qualitative approach with phenomenological analysis through in-depth interviews, observations, and documentation. The findings reveal that retired migrants with good financial literacy and optimal use of digital technology tend to manage their pension funds effectively, achieve higher economic stability, and develop small businesses. These findings highlight the need for financial literacy training programs and digitalization initiatives to support the economic resilience of retired migrant families.