164 Chapter V Conclusion and Recommendation V. 1Conclusion The findings from data analysis in the previous chapter are summarized in this chapter to answer the research questions. The conclusion is as follows. 1. Most participants in this research were female (59.42%). The predominant age group among respondents was 22-31 years, accounting for 66.84% of the participants. A significant proportion of respondents (62.07%) attained their highest level of education at the undergraduate level. Most participants (57.29%) indicated their marital status as unmarried or single. The largest segment of respondents (24.93%) reported being employed in private companies. The majority (36.07%) earned less than 2.5 million in income, while 28.12% fell into the low to middle salary range of 2.5 million to 5 million. Additionally, 46.68% of respondents had a monthly expenditure of less than 2.5 million. The majority (54.11%) actively used Instagram as their social media platform. Geographically, most participants resided in Sumatra (45.36%) and West Java (25.46%). 2. The findings reveal that demographic factors namely gender, age group, education level, marital status, occupation, salary, expenditure, type of social media account, and domicile do not cause significant differences in the vulnerability score experienced by respondents. The non- significant p-values suggest that any observed differences in mean vulnerability scores between these groups are likely due to random variation rather than systematic effects. It is because the COVID-19 pandemic spreads thoroughly with a relatively even distribution rate within a country so that it is designated as a national disaster. Therefore, people in the same geographical conditions in a country tend to experience vulnerability as a whole. 165 3. The results of this research show a fundamental shift in financial decisions from the Covid-19 period to the new normal era.