IMPLEMENTATION OF BRANCHLESS BANKING IN BOGOR: A FIGURE OF NEW FINANCIAL SERVICE IN RURAL AREA

Mangani, Ktut Silvanita and Syaukat, Yusman and Arifin, Bustanul and Tambunan, Mangara (2019) IMPLEMENTATION OF BRANCHLESS BANKING IN BOGOR: A FIGURE OF NEW FINANCIAL SERVICE IN RURAL AREA. Jurnal Aplikasi Manajemen dan Bisnis, 5 (1). pp. 131-141. ISSN 2460 7819

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Abstract

Branchless Banking (BB) is a limited financial service provided by financial service providers, such as banks to the customers without having to come to their office. The banks use the third-party called BB Agent and Information Technology. This study aims to provide an overview of the implementation of the BB program in rural areas. This research was carried out in a bank that implemented a BB program. The unit analysis is the BB Agents as an extension of the limited banking services in rural areas and household micro and small businesses conducting financial transactions through the Agents. The method used in this study is descriptive analysis using primary data source through questionnaire.This study was conducted in Bogor District, at 13 Sub-districts. The samples were the BB agents and business households involved in the BB program chosen purposively and analyzed by a descriptive method. The results show that most transactions were in cash and for payment transactions, while savings and cash withdrawal transactions, which are related to production activities, are still minimal. In addition, transactions using digital money (T-Bank) and BSA (Basic Saving Account) as financial products which aims to reach the unbanked communities have not run. Therefore, this study recommends to the Bank to provide adequate education and information to increase public confidence in BB agents. In addition, OJK and BI need to encourage the penetration of BSA products and bring up the culture of digital money in rural areas and encourage the society to utilize the services of financial transactions through BB agents.

Item Type: Article
Subjects: SOCIAL SCIENCES > Finance > Banking
Depositing User: Edi Wibowo
Date Deposited: 15 Jun 2020 03:13
Last Modified: 24 Jul 2020 04:19
URI: http://repository.uki.ac.id/id/eprint/1850

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