FINANCIAL EDUCATION AND STUDENT RESILIENCE IN FACING ECONOMIC UNCERTAINTY

Abstract

This study examines the effect of financial education on students’ resilience in facing
economic uncertainty, focusing on distance learning students in the digital era. Escalating
global economic instability requires students to develop not only financial knowledge but
also adaptive financial capabilities; however, empirical evidence on the direct linkage
between financial education and student resilience, particularly among digitally exposed
distance learners, remains scarce. This study employs a quantitative approach using a
survey of 100 university students, with data collected through structured questionnaires and
analyzed using multiple linear regression. Financial education is treated as the independent
variable, while student resilience serves as the dependent variable. The results demonstrate
a statistically significant and positive effect, indicating that higher levels of financial
education strengthen financial planning, saving behavior, and risk management. This study
establishes empirical evidence on the intersection of distance learning and digital financial
exposure, offering targeted implications for adaptive financial education in higher
education.