PENINGKATAN AKSES KEUANGAN MASYARAKAT MELALUI SISTEM KEUANGAN INKLUSIF DI INDONESIA

Abstract

The development of financial inclusion is based on the impact of the crisis on groups in the bottom of the pyramid which are generally not touched by financial services (unbanked). Financial inclusion is the key to the government's efforts to build a strong and inclusive financial sector and to support sustainable development in Indonesia. The purpose of this study is to determine the distribution of banking sector services through the level of financial inclusion. The method used in this study is a literature review. In this study, it can be seen that the level of financial inclusion in Indonesia has improved due to the implementation of various related regulations where users who have access to financial services aged over 15 years have increased from 20% (2011) to 36% (2014). and continues to increase to 48.9% (2017). When compared to other countries, the level of financial inclusion is the fastest growing compared to other developing countries in the Asia Pacific region. To increase understanding related to financial and banking services, education in financial and banking services must be carried out, especially education for people with low incomes, women and residents in disadvantaged areas who have not been reached by financial and banking services, as well as government efforts to improve physical infrastructure. so that it can reach people in various regions in Indonesia.