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Role of Financial Literacy in Enhancing Student Resilience in Higher Education
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Author(s): G. Suresh (Sri Ramakrishna College of Arts and Science, India), R. Shankar (Bharathiar University, India), P. Prabakaran (St. Joseph's Institute of Technology, India), S. Manimegalai (Kongunadu Arts and Science College, India)and K. Rani (Dr. S.N.S. Rajalakshmi College of Arts and Science, India)
Copyright: 2026
Pages: 32
Source title:
Financial Survival in Higher Education
Source Author(s)/Editor(s): Shalin Hai-Jew (Sedgwick County, USA)
DOI: 10.4018/979-8-3373-0407-6.ch010
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Abstract
The purpose of this study is to understand the role of financial literacy in enhancing student resilience in higher education. The study presents financial literacy levels, financial stress as well as resilience and uses a mixed methods approach using both qualitative and quantitative analysis. Structured questionnaires were used for surveying a sample of 384 higher education students. Quantitative results show that the relationship between financial literacy, financial stress, and resilience is shown to be very strong, and its association to measures of academic success and well-being is also significant. Qualitative analysis reveals that students with higher financial literacy use better coping strategies and they are more confident in their financial abilities. Structural barriers to the provision of financial literacy education are indicated in the study. The result suggests that higher education institutions should incorporate financial literacy programs into their student development initiatives to enhance resilience and enhance outcome in overall student.
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