Digital Financial Literacy for Women Entrepreneurs in Coastal Tourism Areas: An International Community Engagement Program in Sanur, Bali

This article presents the implementation and outcomes of an international community engagement program aimed at enhancing digital financial literacy among women entrepreneurs in the coastal tourism area of Sanur, Bali. The program addressed critical gaps in financial management practices among women-owned micro, small, and medium enterprises (MSMEs) operating in an international tourism destination. Using a Participatory Action Learning (PAL) approach, the program engaged twenty women entrepreneurs from the Sanur Traders Group through a structured five-phase intervention: needs assessment, module development, practical training, implementation mentoring, and monitoring-evaluation. Results demonstrated significant improvements in participants' digital financial literacy, adoption of digital bookkeeping applications, utilization of QR payment systems, and understanding of digital transaction security. The program produced a sustainable Digital Financial Literacy Model comprising a contextual training module and community-based mentoring system. This article contributes to the growing body of knowledge on gender-responsive digital financial inclusion in tourism-dependent communities and offers a replicable framework for similar empowerment initiatives in coastal tourism destinations.