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Financial Hardship and Coping Among Students in Southeast Asia: A Scoping Review

Nuur Halimatus Saadiah Masrukhin, Wan A’tirah Mahyuddin, Mohd Raihan Nasir, Nik Mohd Fadhil Nik Mohammad

Maslahah Jurnal Manajemen dan Ekonomi Syariah 2026 Vol. 4(4), pp. 145-163
https://doi.org/10.59059/maslahah.v4i4.3598

خواندن متن کامل ۱۹ صفحه · خواندن آنلاین · خارج از سقف مطالعه

چکیده

Rising living costs and expensive higher education place many students under financial pressure, yet the evidence from Southeast Asia has not been brought together. Following the Arksey and O’Malley framework and PRISMA-ScR reporting guidelines, a total of 239 records were screened, comprising 174 records retrieved from Scopus and 65 records from non-Scopus sources. Eleven studies from five countries (the Philippines, Indonesia, Malaysia, Singapore, and Thailand) were charted and synthesised narratively. Six were quantitative surveys, and five of the eleven appeared in 2025 or 2026. Six themes emerged. First, costs extend beyond tuition: programme costs, rent, and other indirect expenses create hardship even where tuition is free. Second, access to family resources and financial aid is unequal. Third, financial strain is reported alongside psychological distress and academic strain, a pattern of co-occurrence rather than demonstrated cause. Fourth, students cope through income generation, saving and economising, building financial literacy, cognitive reappraisal, spiritual support, and selective use of social support. Fifth, financial literacy and behaviour appear to shape financial well-being, although findings on financial stress conflict. Sixth, authors call for support beyond tuition, but no study evaluated an intervention. The evidence is mostly cross-sectional, and no eligible study came from Vietnam, Myanmar, Cambodia, Laos, Brunei, or Timor-Leste. Malaysia contributes one study, which examines financial well-being rather than coping strategies. Future work needs harmonised measures, longitudinal and intervention designs, and wider country coverage.

موضوع‌ها و کلیدواژه‌ها

تنظیم هیجاندانشجویانسلامت روانپریشانی روان‌شناختیحمایت اجتماعیSoutheast Asiacoping strategiesfinancial literacyfinancial well-beinghigher education costsstudent financial hardship

ارجاع

Masrukhin, N. H. S., Mahyuddin, W. A., Nasir, M. R., & Mohammad, N. M. F. N. (2026). Financial Hardship and Coping Among Students in Southeast Asia: A Scoping Review. Maslahah Jurnal Manajemen dan Ekonomi Syariah, 4(4), 145–163. https://doi.org/10.59059/maslahah.v4i4.3598

(Masrukhin et al., 2026)

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گفت‌وگو

قوانین پرسش و گفتگو
  1. با احترام و بدون توهین، تحقیر، برچسب‌زنی یا حمله‌ی شخصی با دیگران گفتگو کنید.
  2. از نوشتن هرگونه اطلاعات هویتی یا قابل‌شناسایی مراجعان، بیماران یا اشخاص ثالث، از جمله نام، شماره‌ی تماس، تصویر، نشانی، محل کار یا جزئیات منحصربه‌فرد پرونده خودداری کنید.
  3. اگر درباره‌ی یک تجربه‌ی بالینی سؤال می‌کنید، اطلاعات را تا حد ممکن بی‌نام و کلی بیان کنید تا امکان شناسایی فرد وجود نداشته باشد.
  4. این بخش برای یادگیری و گفت‌وگوی علمی است و جایگزین ارزیابی، تشخیص، مشاوره یا روان‌درمانی شخصی نیست.
  5. در شرایط بحران یا خطر آسیب به خود یا دیگران، به این بخش اتکا نکنید و برای دریافت کمک فوری با اورژانس اجتماعی ۱۲۳ یا صدای مشاور بهزیستی ۱۴۸۰ تماس بگیرید.
  6. انتشار تبلیغات، معرفی خدمات شخصی، شماره‌ی تلفن، شناسه‌ی شبکه‌های اجتماعی، پیوند تبلیغاتی یا درخواست جذب مراجع در این بخش مجاز نیست.
  7. در بیان ادعاهای علمی، به‌ویژه درباره‌ی اثربخشی درمان‌ها، تشخیص یا یافته‌های پژوهشی، تا حد امکان نام منبع معتبر، مقاله یا راهنمای علمی را ذکر کنید.
  8. از ارائه‌ی تشخیص قطعی، تجویز درمان یا دارو و توصیه‌های بالینی شخصی به سایر کاربران خودداری کنید.
  9. پاسخ‌هایی که کارشناسان فکر بنیان می‌دهند با برچسب «پاسخ فکر بنیان» یا «کارشناس فکر بنیان» نمایش داده می‌شوند و سایر نوشته‌ها بیانگر نظر کاربران هستند.
  10. گزارش نوشته‌ی نامناسب: اگر نوشته‌ای حاوی نقض محرمانگی، محتوای آسیب‌زا، توهین، تبلیغ یا تخلف از این قوانین است، گزینه‌ی «گزارش» را انتخاب کنید تا تیم سایت بررسی کند.

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