KONTRIBUSI BPRS DALAM MEREALISASI FINANCIAL INCLUSION DI PEDESAAN: EVALUASI EMPIRIS DAN PENGUATAN STRATEGI
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Islamic Rural Banking (populer as BPRS in Indonesia) is a kind of banking which conducts finance and loan especially in rural area. This monetary institution focuses to main function as a bank which gives the service to small and micro enterprises and based on Islamic principles in their operational system. By providing the fund to productive sectors, the economics will be tough and more competitive. That is why, this rural bank is also called “community bankâ€. In supporting financial inclusion -a concept where each person has a full access to monetary service, with competitive cost, convenience and prestige- the contribution of these community banks have really existed. On the other hand, the optimalization of this contribution process constraints to many things that covers internal and external problem. The finding of research recommends some strategies to improve the role of community bank in supporting financial inclusion in rural area, such as: reinforcement in regulation’s strategy, socialization’s strategy, competition’s strategy and human resource’s strategy
Islamic Rural Banking (populer digunakan sebagai BPRS di Indonesia) adalah jenis perbankan yang melakukan pembiayaan dan pinjaman terutama di daerah pedesaan. Lembaga keuangan ini berfokus pada fungsi utama sebagai bank yang memberikan layanan untuk usaha kecil dan mikro dan berdasarkan prinsip-prinsip Islam dalam sistem operasional mereka. Dengan memberikan dana ke sektor produktif, ekonomi akan sulit dan lebih kompetitif. Itu sebabnya, BPR ini juga disebut "Bank masyarakat". Dalam mendukung inklusi keuangan, konsep di mana setiap orang memiliki akses penuh ke layanan keuangan, dengan biaya yang kompetitif, kemudahan dan prestige- kontribusi bank komunitas ini telah benar-benar ada. Di sisi lain, optimalisasi kontribusi ini kendala proses untuk banyak hal yang mencakup masalah internal dan eksternal. Temuan penelitian merekomendasikan beberapa strategi untuk meningkatkan peran bank masyarakat dalam mendukung inklusi keuangan di daerah pedesaan, seperti: penguatan dalam strategi regulasi, strategi sosialisasi, strategi persaingan dan strategi sumber daya manusia.Buku Teks
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