Perkembangan agen branchless banking

Authors

  • Ktut Silvanita Mangani Program Studi Magister Manajemen, Pascasarjana, Universitas Kristen Indonesia.
  • Martua Eliakim Tambunan Program Studi Magister Manajemen, Pascasarjana, Universitas Kristen Indonesia.
  • Adolf B. Heatubun Fakultas Pertanian Universitas Pattimura, Ambon.

DOI:

https://doi.org/10.30872/jkin.v17i1.6525

Keywords:

Branchless banking, keuangan inklusif, metode kualitatif

Abstract

Program Branchless Banking (BB) adalah program nasional yang dilaksanakan oleh Bank Indonesia untuk mencapai tujuan Keuangan Inklusif. Tujuan Keuangan Inklusif adalah untuk mendorong pertumbuhan ekonomi, menciptakan distribusi pendapatan yang adil bagi masyarakat serta mengurangi kemiskinan dan menstabilkan sistem keuangan dengan menyediakan akses keuangan kepada masyarakat. Penelitian ini bertujuan untuk memotret implementasi program Branchless Banking di Kabupaten Sumedang, Provinsi Jawa Barat, dengan menggunakan metode kualitatif. Hasil penelitian menemukan bahwa layanan keuangan melalui agen Branchless Banking telah berjalan dengan baik dan lancar di wilayah Kabupaten Sumedang. Namun, sosialisasi program BB dalam hal perekrutan agen tidak dilakukan secara terbuka oleh Unit Bank tetapi dilakukan berdasarkan kriteria kepemilikan modal dan kegiatan bisnis. Unit Bank sebagai regulator di tingkat implementasi belum memperhitungkan kebutuhan pasar dan jenis produk sesuai dengan kegiatan bisnis agen dan pelanggan di masa depan. Karena itu, target pertumbuhan ekonomi sebagai tujuan keuangan inklusif masih sulit untuk dicapai.

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Published

2020-03-23

How to Cite

Mangani, K. S., Tambunan, M. E., & Heatubun, A. B. (2020). Perkembangan agen branchless banking. Kinerja : Jurnal Ekonomi Dan Manajemen, 17(1), 1–7. https://doi.org/10.30872/jkin.v17i1.6525

Issue

Vol. 17 No. 1 (2020): Maret

Section

Articles

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