Nautical Tourism Development Model Based on Coastal Community Empowerment and Financial Literacy in Indonesia

  • Sumani SUMANI Faculty of Economic and Bussiness, University of Jember, Indonesia
  • Intan Nurul AWWALIYAH Faculty of Economic and Bussiness, University of Jember, Indonesia
  • Ika Barokah SURYANINGSIH Faculty of Economic and Bussiness, University of Jember, Indonesia
  • Kristian Suhartadi Widi NUGRAHA Faculty of Economic and Bussiness, University of Jember, Indonesia


The aim of this study is to identify and analyze the internal and external condition that affect tourism development at Payangan beach, Papuma beach, Watu Ulo beach, and Pancer Puger beach as the base for strategy formulation for nautical tourism development model based on coastal community empowerment and financial literacy in Jember regency. The four beaches have internal powers to take advantage of the existing opportunity. The most appropriate strategy to be applied is growth-oriented strategy. Meanwhile, the existing condition appears that institutional and financial literacy become weaknesses on the four beach tourism destinations, therefore defensive strategy is preferable. Both primary data (interview, focus group discussion and questionnaire) and secondary data (study of literature) are employed in this study. By using purposive sampling technique, samples are collected including local coastal community, regional government, tourists, tourism business and related stakeholders. Data analysis is conducted using descriptive statistics analysis, IFAS and EFAS factors analysis, SWOT analysis and AHP analysis. The AHP result showed that the prioritized factors in nautical tourism management including attraction, accessibility, amenities, institutional and financial literacy. The financial literacy factors (knowledge, skills and confidence) and institutional factors are important to be noticed in order to empower coastal community to develop nautical tourism.



[1] Abdillah, D. 2016. Pengembangan Wisata Bahari di Pesisir Pantai Teluk Lampung. Jurnal Destinasi Kepariwisataan Indonesia, 1(1): 45–66.
[2] Anggraeni, B. D. 2016. Pengaruh tingkat literasi keuangan pemilik usaha terhadap pengelolaan keuangan. Studi kasus: umkm depok. Jurnal Vokasi Indonesia, 3(1): 22–30. DOI:
[3] Anoegrajekti, N., Sariono, A., Macaryus, S., and Kusumah, M. S. 2018. Banyuwangi Ethno Carnival as visualization of tradition: The policy of culture and tradition revitalization through enhancement of innovation and locality-based creative industry. Cogent Arts and Humanities, 5(1): 1–16. DOI:
[4] Atkinson, A., and Messy, F. 2012. Measuring Financial Literacy: Result of the OECD/International Network of Financial Education (INFE) Pilot Study (No. 15).
[5] Aulia, T. O. and Dharmawan, A. H. 2010. Kearifan Lokal dalam Pengelolaan Sumberdaya Air di Kampung Kuta. Jurnal Transdisiplin Sosiologi, Komunikasi, Dan Ekologi Manusia, 4(3): 345–355.
[6] Barney, J. 1991. Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1): 99–120. DOI:
[7] Buditiawan, K., and Harmono. 2020. Strategi Pengembangan Destinasi Pariwisata Kabupaten Jember. Jurnal Kebijakan Pembangunan, 15(1): 37–50. DOI:
[8] Carayannis, E. G., and Rakhmatullin, R. 2014. The Quadruple/Quintuple Innovation Helixes and Smart Specialisation Strategies for Sustainable and Inclusive Growth in Europe and Beyond. Journal of the Knowledge Economy, 5(2): 212–239. DOI:
[9] Dahmen, P., and Rodríguez, E. 2014. Financial Literacy and the Success of Small Businesses: An Observation from a Small Business Development Center. Numeracy, 7(1): 1–12. DOI:
[10] Drucker, P. F. 1991. Innovation and entrepreneurship. Perfect Bound.
[11] Eresia-Eke, C. E., and Raath, C. 2013. SMME Owners’ Financial Literacy and Business Growth. Mediterranean Journal of Social Sciences, 4(13): 397–406. DOI:
[12] Fuzi, A. 2013. Quadruple-Helix and its Types as User-Driven Innovation Model. Available at:
[13] Gardiner, S., and Scott, N. 2018. Destination Innovation Matrix: A framework for new tourism experience and market development. Journal of Destination Marketing and Management, 10(November 2017): 122–131. DOI:
[14] Ginting, B., and Siregar, H. 2020. The woman participation in community empowerment programs to alleviate fishermen poverty in Indonesia. International Journal of Management, 11(3): 316–324. DOI:
[16] Hikmat, A. 2006. Strategi Pemberdayaan Masyarakat. Humaniora Utama Press.
[17] Hvide, H. K., and Panos, G. A. 2014. Risk Tolerance and Entrepreneurship. Journal of Financial Economics, 111(1): 200–223. DOI:
[18] Ibor, B. I., Offiong, A. I., and Mendie, E. S. 2017. Financial Inclusion And Performance of Micro, Small, And Medium Scale Enterprises In Nigeria,. 5(3): 104–122.
[19] Ife, J. 1995. Community Development: Creating Community Alternatives – Vision, Analysis and Practice. Longman.
[20] Inanc-Demir, M., and Kozak, M. 2019. Big Data and Innovation in Tourism , Travel ,and Hospitality. Managerial Approaches, Techniques, and Applications. In M. Sigala, R. Rahimi, & M. Thelwall (Eds.), Big Data and Innovation in Tourism, Travel, and Hospitality (p. 213).
[21] Ismail, A., Mohamed, H. A., Sulaiman, A. Z., and Mohamad, M. H. 2011. An Empirical Study of the Relationship between Transformational Leadership, Empowerment and Organizational Commitment. Business and Economics Research Journal, 2(1): 89–107.
[22] Jaffe, E. D., and Nebenzahl, I. D. 2001. National Image and Competitive Advantage The Theory and Practise of Country-of-Origin Effect. Copenhagen Business School Press.
[23] Joo, D., Woosnam, K. M., Strzelecka, M., and Boley, B. B. 2020. Knowledge, empowerment, and action: testing the empowerment theory in a tourism context. Journal of Sustainable Tourism, 28(1): 69–85. DOI:
[24] Kementerian Pariwisata dan Ekonomi Kreatif/ Badan Pariwisata dan Ekonomi Kreatif. (2020). Rencana Strategis Kementerian Pariwisata dan Ekonomi Kreatif/ Badan Pariwisata dan Ekonomi Kreatif. DOI:
[25] Khalid, S., et al. 2019. Community empowerment and sustainable tourism development: The mediating role of community support for tourism. Sustainability (Switzerland), 11(22). DOI:
[26] Kinseng, R. A., et al. 2018. Marine-tourism development on a small island in Indonesia : blessing or curse ? Asia Pasific Journal of Tourism Research, 23(11): 1062–1072. DOI:
[27] Kusnadi. 2009. Keberdayaan Nelayan Dalam Dinamika Ekonomi Pesisir. Ar-Ruzz Media.
[28] Lupiyoadi, R. 2002. Manajemen Pemasaran Jasa (Edisi I). Penerbit Salemba Empat.
[29] Mandongwe, L., Murairwa, S., and Jachi, M. 2020. Financial Literacy and Economic Sustainability of Rural Retail SMEs in Zimbabwe: Evidence from Manicaland Province. IOSR Journal of Business and Management (IOSR-JBM), 22(5): 1–8.
[30] Marafa, L. M., and Chau, K. C. 2014. Framework for Sustainable Tourism Development on Coastal and Marine Zone Environment. The 6th Tourism Outlook Conference, 1: 1–10.
[31] Masula, I. C., Indartuti, E., and Soenarjanto, B. 2017. Kebijakan pengembangan pariwisata kabupaten jember (Studi Kasus Strategi Pengembangan Wisata Pantai Puger Dalam Meningkatkan Kunjungan Wisatawan). JPAP: Jurnal Penelitian Administrasi Publik, 3(1): 680–689. DOI: (in Indonesian)
[32] McElduff, L., Peel, D., Ritchie, H., and Lloyd, M. G. 2016. The Octagon Values Model: community resilience and coastal regeneration. Urban, Planning and Transport Research, 4(1): 1–25. DOI:
[33] Mujiyadi, Ruaida, M., Muslim, S., and Nunung, U. 2013. Pemberdayaan Masyarakat Miskin Kawasan Pantai di Kalimantan Barat. P3KS Press. (in Indonesian)
[34] Mukherjee, S., Adhikari, A., and Datta, B. 2018. Quality of tourism destination – a scale development. Journal of Indian Business Research, 10(1): 70–100. DOI:
[35] Nawawi, A. 2013. Partisipasi Masyarakat Dalam Pengelolaan Wisata Pantai Depok di Desa Kretek Parangtritis. Jurnal Nasional Pariwisata, 5(2): 103–109. (in Indonesian)
[36] Ochman, M. 2020. Women’s Empowerment and Grassroots Organizations: An Argument for Bounded Empowerment, 29: 165–181. DOI:
[37] Papageorgiou, M. 2016. Ocean & Coastal Management Coastal and marine tourism : A challenging factor in Marine Spatial Planning. Ocean and Coastal Management, 129(September 2016): 44–48. DOI:
[38] Porter, B. A., Orams, M. B., and Lück, M. 2017. Sustainable Entrepreneurship Tourism : An Alternative Development Approach for Remote Coastal Communities Where Awareness of Tourism is Low Sustainable Entrepreneurship Tourism : An Alternative Development Approach for Remote Coastal Communities Where Awa. Tourism Planning & Development, 15(2): 149–165. DOI:
[39] Putra, Y. M. P. 2016. Jember Inventarisasi Objek Wisata yang Belum Dikelola. (in Indonesian)
[40] Randazzo, G. W. 2014. Developing successful marketing and organizational Strategies.
[41] Rebernik, M. 2009. Quadruple Helix of Entrepreneurship and Management Education. Review of International Comparative Management, 10(5): 910–921.
[42] Saefullah, and Yana B. 2003. Pengorganisasian Rakyat. INCIS. (in Indonesian)
[43] Satria, A. 2002. Menuju Desentralisasi Kelautan. PT Pustaka Cidesindo. (in Indonesian)
[44] Siagian, J. M. D., Hamsari, H., and Zuska, F. 2018. Local Wisdom of Batak Toba in Supporting Tourism Sector in Regency of Samosir. Proceedings of the 2nd International Conference on Social and Political Development (ICOSOP 2017). DOI:
[45] Sofhani, T. F., and Nurrahma, V. 2017. Pengembangan Wilayah Berbasis Quadruple Helix: Analisis Jaringan Antar Aktor Dalam Pengembangan Industri Kreatif Cimahi. Prosiding Seminar Nasional Perencanaan Pembangunan Inklusif Desa – Kota, 17–26. Available at: ASPIPERHEPPI.pdf (in Indonesian)
[46] Suharto, E. 2005. Membangun Masyarakat Memberdayakan Rakyat. Kajian Strategi Pembangunan Kesejahteraan Sosial dan Pekerjaan Sosial. PT Refika Aditama. (in Indonesian)
[47] Sumani, and Roziq, A. 2020. Financial Literation: Determinants of Financial Well-Being In The Batik Small And Medium Industries In East Java. Journal of Applied Management (JAM), 18(2): 289–299.
[48] Suryaningsih, I. B., and Sumani, S. 2019. he Influence of Financial Literacy, The Image of Destination, The Social Media Against The Interest of Visiting Local Tourists Through The Mediation of The Emotional Experience. European Journal of Management and Marketing Studies, 3(4): 1–18.
[49] Suryaningsih, I. B., et al. 2020. Digital Marketing Tools or e-WOM? Tourists Motivation to Enjoy the Charm of Blue Fire on Ijen Crater EcotourismS. Journal of Environmental Management and Tourism, 4(44): 802–808.
[50] Swasono, M. 2019. Beberapa Catatan tentang Pembinaan Entrepreneur di Indonesia. Antropologi Indonesia.
[51] Tegar R, D., and Gurning, R. O. S. 2018. Development of Marine and Coastal Tourism Based on Blue Economy. International Journal of Marine Engineering Innovation and Research, 2(2): 128–132.
[52] Thabet, O. B., Ali, A. A., and Kantakji, M. 2019. Financial literacy among SMEs in Malaysia. Humanities and Social Sciences Reviews, 7(2): 376–383.
[53] Wijijayanti, T., et al. 2020. Rural tourism: A local economic development. Australasian Accounting, Business and Finance Journal, 14(1 Special Issue): 5–13. DOI:
[54] Wu, S. T., and Chen, Y. S. 2018. Local intentions to participate in ecotourism development in Taiwan’s Atayal communities. Journal of Tourism and Cultural Change, 16(1): 75–96. DOI:
[55] Zubaedi. 2013. Pengembangan Masyarakat: Wacana dan Praktik. Kencana Prenada Media Group. (in Indonesian)
[56] Biro Komunikasi Kementrian Koordinator Bidang Kemaritiman dan Investasi. (2021). Tingkatkan Potensi Pariwisata Bahari, Pemerintah Bahas Peluang dan Tantangan Investasi Jasa Pariwisata Melalui Kedatangan Kapal Wisata Asing (Yacht) di Indonesia. Biro Komunikasi Kementrian Koordinator Bidang Kemaritiman Dan Investasi.
[57] BPS Kabupaten Jember. 2021. Kabupaten Jember dalam Angka 2021. In BPS Kabupaten Jember. DOI: (in Indonesian)
[58] OECD-INFE. (2011). Measuring financial literacy: Core questionnaire in measuring financial literacy: Questionnaire and guidance notes for conducting an internationally comparable survey of financual literacy.
How to Cite
SUMANI, Sumani et al. Nautical Tourism Development Model Based on Coastal Community Empowerment and Financial Literacy in Indonesia. Journal of Environmental Management and Tourism, [S.l.], v. 13, n. 6, p. 1740-1751, sep. 2022. ISSN 2068-7729. Available at: <>. Date accessed: 05 dec. 2022.