The Level of Financial Resilience from Muslim Workers in South Jakarta During Pandemic COVID-19

Najla Rahmah Delia, Puji Sucia Sukmaningrum, Nisful Laila, Luthfi Nur Rosyidi

Research output: Chapter in Book/Report/Conference proceedingConference contributionpeer-review


COVID-19 delivered economic difficulties and triggered a decrease in financial resilience. Workers are one of the affected parties. This study aims to measure financial stability and identify and analyze the effect of demographic characteristics such as age, gender, type of work, and income on the economic resilience of Muslim workers in South Jakarta. This research is quantitative research using multiple linear regression analysis methods. The purposive sampling technique and the Lemeshow equation were used to determine the sample size, with the criteria being the workforce, Muslim, and working or having worked in the South Jakarta area during the COVID-19 pandemic. The financial resilience framework consists of four categories: economic resources, financial products and services, financial knowledge and behavior, and social capital, which measure financial resilience. Of the 85 respondents, all experienced low economic strength. Gender does not significantly affect Muslim workers’ financial stability, while age, type of work, and income significantly affect financial resilience. However, simultaneously, all variables affect the high and low economic strength of Muslim workers in South Jakarta during the COVID-19 pandemic. With low financial stability, people must learn to increase financial productivity to be more optimal in dealing with difficult situations. Future research is expected to be able to measure economic resilience with more factors such as optimism or a mortgage owned with a much larger area.

Original languageEnglish
Title of host publicationTechnology and Business Model Innovation
Subtitle of host publicationChallenges and Opportunities - Proceedings of the International Conference on Business and Technology, ICBT2023 Volume 2
EditorsBahaaeddin Alareeni, Allam Hamdan
PublisherSpringer Science and Business Media Deutschland GmbH
Number of pages10
ISBN (Print)9783031539978
Publication statusPublished - 2024
EventInternational Conference on Business and Technology, ICBT2023 - Manama, Bahrain
Duration: 7 May 20239 May 2023

Publication series

NameLecture Notes in Networks and Systems
Volume924 LNNS
ISSN (Print)2367-3370
ISSN (Electronic)2367-3389


ConferenceInternational Conference on Business and Technology, ICBT2023


  • COVID-19
  • Financial Empowerment
  • Financial Resilience
  • Financial stability
  • Muslim Workers


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