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Journal : Journal of Social Commerce

Reimagining Community-Based Financial Participation through Collective Trust and Cooperative Value Systems Contana, Ni Km. Aristi Priani; Suci, Ni Made
Journal of Social Commerce Vol. 5 No. 4 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i4.194

Abstract

This study examines the interconnectedness of financial performance and social participation within the Pacingkreman Bali Contana Association, a community-based financial institution grounded in trust, reciprocity, and shared responsibility. Using a descriptive quantitative approach supported by qualitative insights, the research analyses four key indicators of financial performance including Third Party Funds, Loan to Deposit Ratio, Operating Expenses to Operating Income, and Return on Assets. The findings show that these financial ratios are not isolated measures of liquidity, efficiency, or profitability but expressions of deeper social relations. Deposits represent confidence and belonging, loans reflect ethical interdependence, operational costs signify the work of participation, and profitability denotes distributive stability rather than maximisation. The integration of financial data and member narratives reveals that institutional endurance stems from collective trust and moral coherence rather than from technical optimisation. The study concludes that financial sustainability in community-based systems is socially constituted, relying on the circulation of care, participation, and trust that transform economic exchange into shared resilience.
Co-Authors AA. Ngurah Yudha Martin Mahardika Adiwantari, Sartika Ayu Anak Agung Istri Sri Wiadnyani Ananda jaya Ananda, Sienny Yulia Aprillia, Kadek Lia Arief Billah Cantika, Kadek Gayatri Dwi Cheltis Charles Kehek Contana, Ni Km. Aristi Priani Darmendra, I Made Risci Dewi, Ni Kadek Puspa Dewi, Ni Nyoman Tri Utami Edy Sujana Fridayana Yudiaatmaja Fridayana Yudiatmaja Gusti Agung Ayu Intan Pradnyani Handayani, Komang Ayu Widiada Heryanda, Komang Krisna I GB Wahyu Nugraha Putra I Gede Dana I GEDE DANA I Gede Prabaskara Ary Karang I Gusti Agung Ayu Meilyani I Made Sura Ananda I Nengah Suarmanayasa I Nyoman Putra Yasa I Wayan Bagia I Wayan Rona Indrawati, Lily Kadek Ary Asta Pramita Sari kadek cintya dewi Kadek Dera Yanti Kadek Gayatri Dwi Cantika Kadek marsela Kadek Medha Prayascita Kadek Santi Rahayu Kadek Surya Darmawan Kehek, Cheltis Charles Komang Intan Cahyani Devi Komang Krisna Heryanda Komang Tri Wibawa Mahardika Kusumayani, Putu Eka Lily Indrawati Luh Putu Ratna Sundari Lutfi, Aden Winangun Mahardika, Komang Tri Wibawa Meilyani, I Gusti Agung Ayu Meliani, Ni Kadek Ni Kadek Sinarwati Ni luh Sayang Telagawathi Ni Luh Wayan Sayang Telagawathi Ni Made Amanda Dewantini Ni Made Ary Widiastini Ni Nyoman Deni Ariyaningsih Ni Putu Arix Nirmala Ni Putu Juni Asmariati Ni Putu Meilani Dithania Ni Putu Nathasa Sany Fridayanti Nur Ayu, Luh Nyoman Fajar Nyoman Ayu Wulan Trisna Dewi . Nyoman Dini Andiani Padmi, Putu Ayu Julia Pamungkas, Ringga Putra Parwati, Ni Wayan Citra Permatasari, Komang Intan Pradnyani, Gusti Agung Ayu Intan Prameswari, Ni Luh Desianty Ayu Prayuningsih, I Gusti Ayu Putri, Cerry Putri, Ida Ayu Melda Anita Putu Agus Suma Astawa Putu Ayu Juniari Putu Ayu Lalita Srivisakha Putu Indah Rahmawati Putu Putri Indah Sriani Putu Rika Rahutama Atidira Rike Setiawati Rona, I Wayan Rosita Dewi Rudi Gunawan Safira, Siti Sartika Ayu Adiwantari Shania Yosiana Sherren Sanchia Tanaya Sinarwati, Kadek Siti Safira Sugara, Robi Suningsih, Ni Kadek Sri Tanaya, Sherren Sanchia Telagawathi, Ni Luh Sayang Trianasari Wayan Agus Parta Sumarta Wayan Cipta Wayan Eka Puspita Sari Wijaya, Gede Ermawan Yastiti, Ni Made Juni Yudiatmaja, Fridayana Yulianthini, Ni Made