Analysis of the Financial Resilience of Credit Union Members

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Lucia Iswandari

Abstract

This study analyzes the financial resilience of credit union members with a focus on demographic variations across age, marital status, and length of membership. Financial resilience-the ability to withstand and recover from financial shocks-has become increasingly important amidst global economic uncertainties. Using a quantitative descriptive approach, data were collected from 137 active members of a credit union in Yogyakarta through structured questionnaires. The study found that the cumulative percentages show that approximately 89.1% of respondents fall within the low to moderate financial resilience categories, highlighting the need for targeted interventions to enhance financial stability and preparedness among the majority of the population. Additionally, older, married, and long term members do not tend to have higher levels of financial resilience. These findings provides an insights for credit union seeking to improve their members’ financial well-being and design targeted financial education and savings programs.


Keywords: financial resilience, credit union, age, marital status, membership tenure

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