inklusi keuangan

Financial Inclusion is a national development strategy to encourage economic growth through equal distribution of income, poverty alleviation and financial system stability. This community-centered strategy needs to target groups experiencing barriers to accessing financial services. The inclusive financial strategy explicitly targets the groups with the greatest or unfulfilled needs for financial services namely the three categories of people (the poor, low-income, working poor / poor and the near-poor) and three cross-categories (migrant workers, women and underdeveloped regions). By 2019 Indonesia's target on the inclusive public financial index reaches 75%. Inclusive financial ratios have reached 63% of Indonesia's total population by the end of 2017. The government has established five pillars supporting SNKI to achieve the target. First, Financial Education. Second, the concrete Community Property Right has already been in the form of a land certification program. Third, Facilitating Intermediation and Financial Distribution Channels. Fourth, Consumer Protection. Fifth, Financial Services In Government Sector. To achieve an inclusive financial target of 75% by 2019, an additional 51,822,431 adult inclusive residents are required. From the survey results of the Faculty of Economics, University of Indonesia in 5 provinces, 35% of respondents do not have an account at the bank. As many as 32% of Indonesia's adult population has not saving on the basis of the World Bank Survey of Indonesia by the World Bank in 2012. Based on the same survey, 48% of Indonesian adult population save in formal financial institutions. According to World Bank (2011), Indonesian adult residents have accounts at formal financial institutions. The strategy of government, BI, and OJK, nowadays is by optimizing technology services to expand financial products and services to various community groups. An inclusive financial enhancement strategy will also involve civil service and civil registration agencies in various regions to update the data on people who do not have financial products and services. The access program for the financial sector is not only from savings, but also from credit, such as small business credit (KUR) or other small credit, especially digital technology or digitalization must be extended to 4G cellular technology. So for areas that can not signal, its range will be wider. If 4G can reach 50%, then this will help Indonesia's strategy to improve inclusive finance. The purpose of this study is to recommend a model of increasing public financial inclusion through digitizing financial inclusion. The research method is qualitative descriptive, through in depth interview with informant and systematic literature review. Based on the results of research, it is found that in the era of digital economy, the use of technology is one of the strategies that can be applied. Big Data Utilization in Private and Commercial Sector covers Finance field that is investment support, portfolio management, price forecasting, credit. In the field of Banking and Insurance namely credit and policy approval, money laundry detection. While in the field of Finance, Banking and Insurance Security is useful for fraud detection, access control, intrusion detection, virus detection. With digitalization, it is expected that more people can afford affordable financial services. More and more people who can access financial services will improve their lives and reduce poverty.