Strategi Pengembangan Perluasan Akses Lembaga Keuangan: Studi Kasus di Provinsi Bali

  • Agni Alam Awirya Kantor Perwakilan Bank Indonesia Wilayah III
  • Dhita Aditya Nugraha Kantor Perwakilan Bank Indonesia Wilayah III
  • Emy Meylita Haloho Bank Indonesia
Keywords: Akses Lembaga Keuangan, Branchless Banking, Kualitas, Kecepatan Transaksi

Abstract


Expanding nancial access is one among many ways in developing nancial sector. This study analyzed the connection of communities characteristics to the access of financial institution which can be used in establishing the accurate development strategy of financial inclusion. This study used three approaches: descriptive analysis, factorial analysis, and path analysis based on questionnaires distributed to 600 respondents across Province of Bali. The result of the study shows that the most important factor in developing financial access is quality, especially the speed of transaction. Moreover, individual quality improvement in either education or wealth stimulates the utilization of branchless banking services.AbstrakSalah satu upaya pengembangan sektor keuangan adalah melalui perluasan akses keuangan. Studi ini menganalisis kaitan karakteristik masyarakat dengan akses lembaga keuangan yang dapat digunakan untuk menyusun strategi pengembangan keuangan inklusif yang tepat sasaran. Studi ini menggunakan tiga pendekatan, yaitu analisis deskriptif, analisis faktor, dan analisis jalur pada hasil kuesioner yang disebarkan ke 600 responden di seluruh Provinsi Bali. Hasil studi menunjukkan bahwa faktor yang dianggap paling penting dalam mengembangkan akses keuangan adalah kualitas terutama kecepatan transaksi. Selain itu, peningkatan kualitas individu, baik dari sisi pendidikan maupun kekayaan, mendorong peningkatan keinginan menggunakan jasa keuangan berupa layanan branchless banking.

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Published
2014-07-01
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How to Cite
Awirya, A. A., Nugraha, D. A., & Haloho, E. M. (2014). Strategi Pengembangan Perluasan Akses Lembaga Keuangan: Studi Kasus di Provinsi Bali. Jurnal Ekonomi Dan Pembangunan Indonesia, 15(1), 57-70. https://doi.org/10.21002/jepi.v15i1.544
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