Evaluating Economic Crisis Challenges and Strategies for Financial Survival in the Tough Economy of 2025

Hesi Eka Puteri; Abdul Halim; Niyara Arinda; Muthia Rahman

Authors

Hesi Eka Puteri State Islamic University Sjech M. Djamil Djambek, Bukittinggi, Indonesia
Abdul Halim State Islamic University Sjech M. Djamil Djambek, Bukittinggi, Indonesia
Niyara Arinda University Of Selangor, Malaysia
Muthia Rahman State Islamic University Sjech M. Djamil Djambek, Bukittinggi, Indonesia

Keywords:

Global economic crisis, Financial Behavior, Indonesian Macroeconomics

Abstract

The decline in Indonesia's macroeconomic performance in 2025 is largely attributed to the indirect effects of the global economic crisis. This downturn has led to significant shifts in public financial behavior, with individuals becoming more cautious and adopting defensive financial strategies to maintain balance in their economic lives. This study aims to explore the interrelationship between the global economic crisis and public financial behavior by analyzing economic indicators that reflect Indonesia’s economic decline in 2025. From a financial economics perspective, the study further proposes strategic approaches for individuals to remain financially resilient during periods of economic hardship. Using a qualitative content analysis approach, this research examines selected academic sources and empirical data to gain a deeper understanding of how global crises influence household financial decisions. The findings highlight several key macroeconomic challenges in 2025 that are closely linked to the global crisis, including slowing economic growth, rising unemployment and poverty rates, increasing corruption, geopolitical instability, deindustrialization, and a notable decline in both domestic and foreign investment. Based on a comprehensive review of the literature and current financial conditions, this study offers practical recommendations for financial survival in this challenging economic environment. These include: managing money wisely, increasing investment and passive income, avoiding FOMO (Fear of Missing Out), leveraging opportunities in the digital and Gig economies, and adopting frugal and simple living as a long-term financial lifestyle. These strategies serve not only to protect financial stability but also to strengthen individual resilience in navigating economic uncertainty.

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