The Role of Financial Literacy in StrengtheningEconomic ‎Resilience and Family Harmony

  • Authors

    • Adeh Ratna Komala Accounting, Universitas Komputer Indonesia, Bandung, 40132, Indonesia
    • Linna Ismawati Management, Universitas Komputer Indonesia, Bandung, 40132, Indonesia
    • Adi Rachmanto Accounting, Universitas Komputer Indonesia, Bandung, 40132, Indonesia
    https://doi.org/10.14419/3jsy2164

    Received date: January 19, 2026

    Accepted date: February 11, 2026

    Published date: February 17, 2026

  • Economic Resilience; Family Harmony; Financial Literacy; SPSS

  • Abstract

    Family economic resilience is a strategic issue because financial literacy supported by systematic financial management practices has been ‎proven to improve families' ability to face economic pressures, thus playing an important role in maintaining psychosocial stability and ‎family relationship harmony. This research aims to analyze the effect of financial literacy on family economic resilience and its implications ‎for family harmony, both directly and indirectly through family economic resilience as a mediating variable. This research uses a quantitative ‎approach with linear regression analysis techniques and path analysis processed using IBM SPSS. Model testing was conducted through ‎classical assumption tests as prerequisites for regression analysis, as well as evaluation of relationships between variables through ‎regression coefficient testing, partial significance testing (t-test), and coefficient of determination (R²) to explain the magnitude of the ‎independent variable's contribution to the dependent variable. The results of this research show that financial literacy has a positive and ‎significant effect on family economic resilience and family harmony. This model shows that financial literacy plays an important role in ‎strengthening families' ability to face economic pressures and shocks, while encouraging the creation of more harmonious family ‎relationships. Empirically, financial literacy has been proven to increase family economic resilience, and family economic resilience in turn ‎contributes significantly to family harmony. In addition, financial literacy also provides a strong direct effect on family harmony, in addition ‎to its indirect effect through family economic resilience, which acts as a partial mediator. This research provides an original contribution in ‎the form of an integrated conceptual model that analyzes the simultaneous effect of financial literacy on economic resilience and its ‎implications for family harmony. This study confirms that financial literacy is a main determinant in forming harmonious and sustainable ‎families, with family economic resilience functioning as a supporting mechanism that strengthens this relationship‎.

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    Komala, A. R., Ismawati, L., & Rachmanto, A. (2026). The Role of Financial Literacy in StrengtheningEconomic ‎Resilience and Family Harmony. International Journal of Accounting and Economics Studies, 13(2), 228-232. https://doi.org/10.14419/3jsy2164