Path: Top Journal Jurnaal Manajemen dan Kewirausahaan 2014

BRANCHLESS BANKING, TEROBOSAN BANK INDONESIA UNTUK MEWUJUDKAN FINANCIAL INCLUSION DI INDONESIA

Jurnal Manajemen dan Kewirausahaan: Volume 2, Nomor 2, Desember 2014
Journal from JIPTUNMERPP / 2016-04-28 02:57:06
Oleh : Nanik Sisharini, Department of Management Merdeka University Malang
Dibuat : 2014-12-01, dengan file

Keyword : Financial Inclusion, Unbanked, and Branchless Banking
Url : http://drive.google.com/file/d/0B0uNqoBLtJGvM2RVWTZvM2NUYTQ/view?usp=sharing

Indonesia has become one of the seven countries in Asia that have financial inclusion program to improve financial access to the community as a whole . Obstacles faced by the community to access the services of financial institutions including the legal aspects of the formal eligibility owned businesses , the lack of information about banking products , or products do not suit for the needs. The constraints on the level of financial institutions including the limitations of the coverage area and expanding branch network , the lack of information about potential customers , and the limited information on consumer finance . In addition to adding a network of offices in remote areas , banks are faced with the issue of set-up costs are relatively expensive . Branchless banking is expected to bridge the barriers to banking services closer to the people especially those far from the office of the bank. Branchless banking is new to the banking industry in Indonesia. Therefore, the implementation of branchless banking needs to be done carefully considering the implementation of the expansion of banking services through UPLK and technology can increase the risk, especially operational risk, legal risk and reputation risk for banks and telecommunications companies. Through branchless banking pilot project is expected to obtain an appropriate business model and the obstacles and risks faced by the parties involved. The overall implementation is carried out in stages starting from the issuance of the guidelines, trial, a thorough evaluation, and implementation in full through the issuance of branchless banking provisions.

Deskripsi Alternatif :

Indonesia has become one of the seven countries in Asia that have financial inclusion program to improve financial access to the community as a whole . Obstacles faced by the community to access the services of financial institutions including the legal aspects of the formal eligibility owned businesses , the lack of information about banking products , or products do not suit for the needs. The constraints on the level of financial institutions including the limitations of the coverage area and expanding branch network , the lack of information about potential customers , and the limited information on consumer finance . In addition to adding a network of offices in remote areas , banks are faced with the issue of set-up costs are relatively expensive . Branchless banking is expected to bridge the barriers to banking services closer to the people especially those far from the office of the bank. Branchless banking is new to the banking industry in Indonesia. Therefore, the implementation of branchless banking needs to be done carefully considering the implementation of the expansion of banking services through UPLK and technology can increase the risk, especially operational risk, legal risk and reputation risk for banks and telecommunications companies. Through branchless banking pilot project is expected to obtain an appropriate business model and the obstacles and risks faced by the parties involved. The overall implementation is carried out in stages starting from the issuance of the guidelines, trial, a thorough evaluation, and implementation in full through the issuance of branchless banking provisions.

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PropertiNilai Properti
ID PublisherJIPTUNMERPP
OrganisasiD
Nama KontakDra. Wiwik Supriyanti, SS
AlamatJl. Terusan Halimun 11 B
KotaMalang
DaerahJawa Timur
NegaraIndonesia
Telepon0341-563504
Fax0341-563504
E-mail Administratorperpus@unmer.ac.id
E-mail CKOwsupriyanti@yahoo.com

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  • Editor: Wiwik Supriyanti, Dra. SS.