The Interaction of Emergency Funds Debt-to-Income Ratio and Retirement Savings in Improving the Financial Resilience of Indonesian Households

Mutmainnah, Mutmainnah and Goso, Goso and Rismawati, Rismawati (2026) The Interaction of Emergency Funds Debt-to-Income Ratio and Retirement Savings in Improving the Financial Resilience of Indonesian Households. Jurnal Manajemen Motivas, 22 (1). pp. 2993-3003. ISSN 2407-5310

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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.

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Goso, Goso NIDN0912067603 Teacher Rismawati, Rismawati NIDN0912067603
Uncontrolled Keywords:	Household financial resilience; emergency fund; debt-to-income ratio; retirement savings; financial literacy; household financial management; financial capability; long-term financial planning
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Mutmainnah muma
Date Deposited:	05 Aug 2026 05:30
Last Modified:	05 Aug 2026 05:30
URI:	http://repository.umpalopo.ac.id/id/eprint/6770

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