FINANCIAL ANXIETY DAN FINANCIAL WELL-BEING: PERAN APPRAISAL, PERILAKU FINANSIAL, DAN SUMBER DAYA PROTEKTIF
DOI:
https://doi.org/10.29082/hwg05274Keywords:
financial anxiety, financial well-being, systematic literature review, thematic synthesisAbstract
This study synthesizes recent evidence on the relationship between financial anxiety and financial well-being among university students and young adults. Using a qualitative systematic literature review and thematic synthesis, 28 peer-reviewed publications published between 2021 and August 2026 were analyzed. Sources were identified through Scopus, Web of Science, ScienceDirect, Emerald Insight, SpringerLink, Wiley Online Library, and Google Scholar, with screening guided by PRISMA 2020 principles. The findings indicate that financial anxiety is an affective-cognitive response involving worry, anticipatory fear, rumination, and perceived lack of control, and is distinct from financial stress or financial worries. Financial well-being is understood as a multidimensional condition involving present financial control, resilience to financial shocks, progress toward financial goals, and future security. Key stressors include debt, income shocks, financial fragility, cost-of-living pressures, and uncertainty. Their effects operate through cognitive, emotional, and behavioral pathways. Financial self-efficacy, resilience, financial capability, planning, spending control, and social support act as important protective factors. The study proposes a stressor-appraisal-mechanism-outcome model and recommends integrated financial, behavioral, emergency, and psychosocial support interventions.
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