Pemicu Kerapuhan Finansial dan Ketidakamanan Finansial (Studi pada Kelompok Rumah Tangga)
DOI:
https://doi.org/10.33603/jka.v9i1.9540Kata Kunci:
Ketidakamanan finansial, Kerapuhan finansial, Beban utang, Kesiapan investasi dan tabungan layanan kesehatanAbstrak
Krisis ekonomi memberikan dampak signifikan pada kondisi keuangan masyarakat dan rumah tangga. Munculnya kerapuhan keuangan, sebagai akibat menurunnya pendapatan, lonjakan pengeluaran, ketiadaan dana darurat, dana kesiapsiagaan atau penyangga. Dari peristiwa krisis, mengajarkan pentingnya memiliki perencanaan keuangan yang baik, agar lebih mampu bertahan terhadap guncangan ekonomi di waktu yang akan datang. Penelitian ini bertujuan melakukan kajian faktor-faktor yang berdampak pada kerapuhan keuangan (financial fragility), serta melihat bagaimana dampaknya terhadap ketidak-amanan keuangan (financial insecurity). Data survey dalam penelitian ini akan dianalisis menggunakan path analysis terhadap variabel financial insecurity, financial fragility, debt burden, healthcare investment dan savings preparedness. Hasilnya menunjukkan bahwa debt burden merupakan faktor yang memiliki peranan cukup besar. Selain itu, financial fragility dan healthcare investmentmempengaruhi peningkatan atau penurunan financial insecurity. Namun, variabel savings preparedness tidak berpengaruh signifikan terhadap peningkatan atau penurunan financial insecurity. Kontribusi mendasar penelitian ini menyoroti krisis yang menyebabkan rumah tangga menghadapi kesulitan keuangan dan menimbulkan perubahan pola kehidupan dan tantangan sosial. Hal ini terutama akibat tidak adanya penyangga keuangan, tidak melakukan investasi pada kesehatan dan tidak menyediakan dana kesiapsiagaan yang cukup.
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