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Damis, Sariana
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Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.R.Amrah, Nurfardianty Abdul Azis Abdul Wahab Adelia, Lala Alfiyah, Alfiyah Aljabar, Muhammad Amran AR, Andi Arfianty Arfianty, Arfianty Arman Arman Azhari, Rafika Bin Ardiansyah, Muh Asalan Darmawan, Darmawan Diana Diana Eka Riyanti Erwini Wulandari, Ade Fajri Fajri Fatahillah, Muhammad Rayhan fatimah Fatimah Firda Rusman Firman Firman Fitri Ani, Fitri Harianto, Erni Lestari Harun, Hernianti Herlinda HERNI, HERNI Idrus, Irwan Jumriani, Jumriani Jumriani, Jumriani Khadavy, Muhammad Lina - Mariana, Lina - M, Nurwani Makhrajani Majid Marsuni, Nur Sandi Muhammad Sahlan Murti Pratiwi, Sari Nasrullah Nasrullah Nopi, Nopi Nurhasana, Nurhasana Nurhasanah Nurhasanah Nurhikma, Nurhikma Nurul Fikri, Muh. Pratama, Andi Yoga Rahim, Abd Ramli, Siti Nurhaliza Riskayani, Riskayani Roem Prakarsa Ibrahim, Muhammad Setiawan S, Rival Sofian, Sofian Syawal, Syawal Syukri, Fitriyani Wisarna, Wisarna Yadi Arodhiskara, Yadi Yanas, Khairunnisa