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Sofian, Sofian
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Journal : Economics and Business Journal

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Family Financial Revolution Through Digital Finance in The Lower Middle-Class Community Damis, Sariana; AR, Andi; Sofian, Sofian
Economics and Business Journal (ECBIS) Vol. 3 No. 4 (2025): May
Publisher : PT. Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ecbis.v3i4.206

Abstract

Digital technology has great potential to revolutionize family finance, especially in rural areas such as Watang Kassa Village, Batulappa District, Pinrang Regency. Digital finance provides solutions for families that previously relied on manual financial record-keeping and traditional financial information systems. With digital technology, people can record and monitor their family finances through digital financial platforms, making family financial management more efficient. Research Objectives: (1) To analyze the level of digital financial literacy among low-income communities and identify the factors influencing it. (2) To evaluate the role of digital financial platforms in helping low-income families manage their finances effectively. (3) To identify the challenges faced by low-income communities in accessing and utilizing digital financial services. (4) To assess the impact of using digital financial technology on family financial management and the well-being of low-income communities. This study employs a Participatory Action Research (PAR) approach. Participatory Action Research is a research method that involves the active participation of the community or group being studied throughout the research process, from planning, implementation, and reflection to corrective actions. The research findings indicate that the community lacks sufficient education regarding financial literacy in the use of digital tools for managing family finances. This lack of education poses a significant challenge in adopting digital finance for financial management among low-income communities. However, with the financial revolution, low-income communities have begun to understand the use of digitalization in managing family finances.
Co-Authors A.A. Ketut Agung Cahyawan W ABDUL AZIS MANURUNG, ABDUL AZIS Agnes Utari Widyaningdyah Agustiawan, Agustiawan Ahmad Fahrul Syarif Ahmad Sundoko Amini Amini Andi Suryadi Andini, Andini Anto, Monalisa Putri Apriandani, Babby Aprilia, Risna AR, Andi Arienda, Della Aryono Adhi, Aryono Ayu, Rianda Rita Azzahra, Jessie Bernadetta Diana Nugraheni Damis, Sariana dermawan, ari Dewi, Lusi Oktavia Dhonanto, Donny DIAH AYU SATYARI UTAMI Dwi Riyanti Ella, Nanda Eni Rosnija Eusabinus Bunau Fatoni, Iza Fauzan . Febriani Tanjung, Indayana Fitra Mulia Jaya Gunawan, Erick Teofilus Hadi Pranoto Haran, Rosalia Teodora Harlianto T, Harlianto T Hasma Putri, Noni Ayu Hendra Wijaya Hidayat, Wahid Hudaya Latuconsina Ikromatun Nafsiyah Indra Prasetia, Indra Indra, M. Ismail Ismail Johan K.W., Johan K.W. Kalalo, Annabelle Deva Katresna, Mustika Lina Lina Luwandi Suhartono Maftuch Maftuch Marluwi, Marluwi Marsal, Doni Megawati - Muhammad Akbarurrasyid Muhammad Arif Nasution Muhammad Subhan Hamka Muzli, Muzli Mu’amar Abdan Naibaho, Jessica Ester Najamuddin Najamuddin, Najamuddin Nandasari, Horiyeh Nasution, Alfiandi Wisudawansyah NINGSIH, NINGSIH Nugroho, Yonathan Paskah Tri Nurhadiansyah, Muhammad Irvan NURWAHIDAH NURWAHIDAH Perwitasari, Lia Putra, Rizky Agustia Putri, Annisa Suryani R, Hanifah A Rahardjo, Hartono Rahayu, Reni Rasyidah Rasyidah Rih Laksmi Utpalasari Riskiyono, Joko Riya Liuhartana Nasyiruddin Rizal Fahmi Romadhon, Rakhmat Akhiri ROSFIANSYAH, ROSFIANSYAH S. Patricia Febrina Dwijayanti Sari, Jamila Sarjani, Tri Mustika Sembiring, Rinawati Siregar, Nira Pradina Siti Lestari Sopialena . Soraya, Aida Sri Jaya Lesmana Sudinno, Dinno Sujabar, Sujabar Sulieman, Abdellatief A. Sumantri Sumantri Suryadi, Andi Suryoprabowo, Steven Susylowati, Susylowati Syafrizal Syafrizal Syaifudin, Encik Akhmad Syarif Husin Tarigan Sibero, Jitasari Triayu Rahmadiah Ulya, Nanda Himmatul urai salam Vini Taru Febriani Prajayati Wahdini, Anisa Wardah Wardah Yusanti, Indah Anggraini Zulfadhli Zulfadhli