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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Neo Journal of economy and social humanities
Samuel, Indah Elychia
Unknown Affiliation
Humanities Economics, Econometrics & Finance Social Sciences

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Interpreting Community Narratives on the Value of Money and Exchange in Rural Digital Economies Samuel, Indah Elychia
Neo Journal of economy and social humanities Vol 4 No 3 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i3.320

Abstract

This study explores how rural communities understand the value of money and exchange systems in the emerging digital economy. As digital financial services—such as mobile banking, QR-based transactions, and digital wallets—penetrate rural areas, traditional meanings of monetary value are being renegotiated. Using a narrative-based qualitative approach, data were collected from 24 participants in three rural areas of Indonesia through in-depth interviews and focus group discussions (FGDs). Thematic analysis identified four main themes: (1) money as a social value in local transactions, (2) coexistence of traditional and digital practices, (3) resistance to digitalization due to literacy gaps and trust issues, and (4) the rise of hybrid exchange models. Findings reveal that while digital tools provide speed and convenience, their abstract and impersonal nature often conflicts with traditional values of reciprocity, social trust, and tangible exchange. The study concludes that the value of money in rural digital economies is not only economic but also cultural and relational, reflecting a hybrid understanding in which digital and traditional logics converge. These insights highlight the importance of designing digital financial inclusion policies that are culturally sensitive and aligned with the social logic of rural communities.
Financial Management Practices of Coastal Fishermen Cooperatives in Supporting Blue Economy Growth Adi, Roni; Wijaya, Erric; Rely, Gilbert; Samuel, Indah Elychia
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5831

Abstract

The growth of the blue economy in Indonesia is inseparable from the role of coastal communities, especially fishermen's cooperatives, which are the main forum in the management of fisheries businesses and the distribution of marine products. However, financial management practices in fishermen's cooperatives still face various challenges, such as low financial literacy of management, weak transparency of records, and limited access to formal capital institutions. This study aims to evaluate the financial management practices of coastal fisher cooperatives and examine their contribution in supporting blue economic growth. The research method uses a mixed approach, with the collection of quantitative data from the financial statements of fisher cooperatives and qualitative data through in-depth interviews with administrators and members. A total of 12 fishermen's cooperatives in the coastal areas of Central Java and South Sulawesi were selected purposively with the 2020–2023 observation period. The results of the study show that cooperatives that have a neater financial recording system, a savings and loan mechanism run well, and are able to access revolving funds from the government and Islamic financial institutions have succeeded in increasing working capital, expanding environmentally friendly fishing and aquaculture businesses, and contributing to marine resource conservation. In contrast, cooperatives with traditional financial management and dependence on member dues often experience limited liquidity, internal conflicts, and difficulty adapting to blue economy programs that demand efficiency and sustainability. These findings confirm that strengthening financial management practices through financial literacy education, the use of digital accounting technology, and regulatory support can strengthen the role of fishermen's cooperatives as key actors in supporting an inclusive and sustainable blue economy.
Co-Authors Adi, Roni Erric Wijaya, Erric Rely, Gilbert