Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia

Khaerunnisa, Resky and Goso, Goso and Jasman, Jumawan (2026) Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia. Income and Household Consumption Uncertainty After the COVID-19 Pandemic Crisis: The Moderating Role of Financial Attention and Liquid Wealth Evidence from Indonesia, 9 (2). pp. 486-497. ISSN 2599-0748

	Image (Sampul Artikel) Sampul_221120214.pdf - Cover Image Download (93kB)
	Text (Artikel) INCOME AND HOUSEHOLD CONSUMPTION UNCERTA.pdf - Published Version Download (473kB)
	Text (Lembar turnitin) Turnitin_INCOME AND HOUSEHOLD CONSUMPTION UNCERTAINTY AFTER THE COVID-19 PANDEMIC CRISIS THE MODERATING ROLE OF FINANCIAL ATTENTION AND LIQUID WEALTH EVIDENCE FROM INDONESIA.pdf - Supplemental Material Download (132kB)

Abstract

This study analyzes the impact of income uncertainty on household consumption in Indonesia after the COVID-19 pandemic, emphasizing the moderating roles of financial attention and liquid wealth. Using a quantitative design, we examine secondary data from official Indonesian sources for 2022 to 2024 through multiple regression and Moderated Regression Analysis. The results indicate that income uncertainty significantly reduces household consumption (β = -1.872, p < 0.01). Financial attention (β = 0.456, p < 0.05) and liquid wealth (β = 0.512, p < 0.05) significantly moderate this relationship by weakening the negative effect of uncertainty. Households with higher financial attention and greater liquid assets show stronger consumption resilience. These findings underline the need to strengthen financial literacy and expand access to liquid financial instruments. The study extends Precautionary Saving Theory by integrating behavioral and structural moderators in an emerging market crisis context.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Goso, Goso NIDN0925117602 Teacher Jasman, Jumawan NIDN0924098701 Teacher UNSPECIFIED UNSPECIFIED
Uncontrolled Keywords:	Income Uncertainty, Household Consumption, Financial Attention.
Subjects:	H Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Resky Khaerunnisa
Date Deposited:	09 Jun 2026 06:50
Last Modified:	09 Jun 2026 06:50
URI:	http://repository.umpalopo.ac.id/id/eprint/6341

Actions (login required)

View Item