MORAL HAZARD PROBLEMS IN BRANCHLESS BANKING ACTIVITIES IN RURAL AREA IN INDONESIA

Mangani, Ktut Silvanita and Syaukat, Yusman and Arifin, Bustanul and Tambunan, Mangara and Balina, Rafal (2017) MORAL HAZARD PROBLEMS IN BRANCHLESS BANKING ACTIVITIES IN RURAL AREA IN INDONESIA. Studia i Materiały. Miscellanea Oeconomicae, 21 (4). pp. 13-25. ISSN 2081 2345

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Abstract

This study aims to explore moral hazard behavior that appears in financial transactions in branchless banking program. The results show that business actors who conduct financial transactions on the Agent BB are still very little. The most common types of transactions used by the society are transactions to pay bills, such as electricity bills (pre or post paid) and other bills payment. While the savings and withdrawals transactions which are expected to be used often by small businesses are very rare. From the interviewed and data extracting from Agent BB and the business actors who transacted, it can be concluded: that in serving the society conducting financial transactions, Agent BB do practices and potentially performs moral hazard activities that have negative impact to the community, and the bank that Organize branchless banking program, as well as to the development of the program.

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