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.
Komala et al. (Tue,) studied this question.