“…Several factors, such as financial literacy, planning, and self- efficacy, have been identified as determinants in predicting financial resilience (Ervina et al, 2020). However, previous studies on the determinants of financial resilience have been predominantly focused on investigations at specific levels, such as the organizational level (Merdiaty et al, 2021;Nkundabanyanga et al, 2019), household level (McKnight & Rucci, 2020) community level (Denny, 2022), and student level (Prameswari, 2020). Many studies have utilized the perspective resilience of finance at the individual level, including from the viewpoint of the adult age group (Hassan et al, 2018), Productive age group (Lyons et al, 2020), the workers (Setyorini et al, 2021), and the middle-aged (Bialowolski et al, 2022).…”