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All Journal Al-Jabar : Jurnal Pendidikan Matematika JURNAL EDUCATION AND DEVELOPMENT Jurnal Basicedu Jambura Geo Education Journal International Journal of Social Learning (IJSL) Jurnal Pendidikan dan Pembelajaran Indonesia (JPPI) JURNAL PENDIDIKAN IPS HINEF : Jurnal Rumpun Ilmu Pendidikan Jurnal Pendidikan dan Ilmu Sosial SENTRI: Jurnal Riset Ilmiah Jurnal Basicedu BERBAKTI: Jurnal Pengabdian Kepada Masyarakat JUKEJ: Jurnal Kesehatan Jompa Jurnal Pendidikan Teknologi Informasi (JUKANTI) PEMIMPIN - Pengabdian Masyarakat Ilmu Pendidikan Jurnal Ilmu Pendidikan (JIP)
Tanggur, Femberianus Sunario
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Strategi Pengembangan Ekosistem Perbankan Digital Komunitas di Wilayah Perbatasan Indonesia- República Democrática de Timor-Leste (RDTL) Hany Bengu; Moshe Markhasi Rupilu; Femberianus Sunario Tanggur
SENTRI: Jurnal Riset Ilmiah Vol. 4 No. 7 (2025): SENTRI : Jurnal Riset Ilmiah, Juli 2025
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/sentri.v4i7.4287

Abstract

Digital transformation in the financial sector presents significant opportunities to expand financial inclusion in border regions, such as Belu Regency, Indonesia, which shares a direct border with the Democratic Republic of Timor-Leste (RDTL). However, developing a community-based digital banking ecosystem in this area faces numerous challenges. This study aims to identify barriers and formulate contextual strategies for building inclusive digital financial services. Using a descriptive qualitative approach and case study method, data were collected through in-depth interviews, field observations, and documentation involving local communities, financial service providers, and local government officials. Thematic analysis was employed, supported by SWOT analysis. The findings reveal key obstacles, including limited network infrastructure, low levels of digital literacy and trust, the dominance of cash transactions and traditional financial systems such as arisan, as well as socio-economic and cross-border regulatory challenges. The study recommends inclusive, locally grounded digital transformation strategies, including a hybrid approach combining conventional and digital services, expanding infrastructure and digital security education, and digitizing community financial systems like arisan and cooperatives. This approach is expected to promote sustainable and context-sensitive financial inclusion in border areas.
Co-Authors Adriana Domaking Amirulah Datuk Benufinit, Yonly A. Boka, Lusia Kali Cahyo Budi Utomo Christmas P Ate Cornelia Amanda Naitili Cornelia Amanda Naitili Darius Yonatan Nama Desy Hu'an Dion, Yohanes Dion Yohanes Edwin Mirzachaerulsyah Eko Handoyo Fredy Hermanto, Fredy Garba, Malami Muhammad Hany Bengu Harmansyal Harmansyal I G W Wisnuwardana Jhon Enstein Khatrin J Taku Neno Khatrin Juliani Takuneno Khatrin Juliani Takuneno KOLO, GETRUDIS Lanny Isabela Dwisyahri Koroh Maria M.B Sogen Maria Magadalena Beatrice Sogen Mbuik, Heryon B. Mbuik, Heryon Bernard Moshe Markhasi Rupilu Nahak, Kristina E. Noya Nahak, Roswita Lioba Naitili, Cornelia A. Nitte, Yulsy Marselina Nuryanti Nuryanti Nuryanti Nuryanti Rahmandari, Ismi Arifiana Roswita L. Nahak Roswita Lioba Nahak Roswita Nahak Saddam Saddam Saddam Saddam Saddam Saddam, Saddam Selfiana T. M. Ndapa Lawa Selfiana T.M. Dpala Lawa Selfiana Triyanty. M. Ndapa Lawa Shole, Moh Shole, Moh. Tahu, Sebastianus Kirniadi Taku Neno, Khatrin Juliani Tri Marhaeni Pudji Astuti Vera R. Bulu Vera Rosalia Bulu Vera Rosalina Bulu Viktoris P. Veka Viktorius P. Feka Viktorius Paskalis Feka Viktorius Paskalis Feka Wadu, Enjel Novita Wisnuwardana, I Gede Wayan Yokran Mellu Yonly A. Benufinit Yonly Adrianus Benufinit Yonly Adrianus Benufinit Yonly Adrianus Benunifit Yonly Adrianus Benunifit Yonly Benufinit