Kajian Terhadap Peran Bank Perkreditan Rakyat Dalam Upaya Peningkatan Finansial Inclution Di Indonesia

Abstract

Today conditions that a lot of people, especially the small and SMEs entrepreneurs who do not understand how to get the services from rural bank. In connection with these conditions, the maximumrole  of Rural Banks in increasing financial inclusion in Indonesia. Until now, rural banks have constraints in increasing its role in financial inclusion in Indonesia. As the Information Technology Rural Banks are still low and the development of information technology is still slow, Mostly rural banks had the capital deposited is relatively small, Overhead costs are high that lending rates high, Number of branch offices as well as cash that is still little, Quality and quantity Rural Bank board is still low, Governance Rural Banks are still low. The results showed that rural banks need to fix these flaws and the financial services authority should also make regulations that support rural banks in increasing financial inclusion in Indonesia.

Keywords: Financial Inclusion, Rural Banks, SMEs.