Access
The first pillar of financial inclusion is access. This means that everyone, both in cities and remote areas, must have equal opportunities to use financial services. Therefore, digitalization, such as mobile banking, e-wallets, and fintech, is key to making access to financial services easier, faster, and more affordable.
Understanding Financial Literacy
Having access alone isn't enough if people don't understand how to use financial services wisely. This is where financial literacy plays a significant role. Many people are still tempted by fraudulent investments or simply take out loans without calculating their repayment capacity. Financial education helps people become more aware of how to manage their money, understand the risks, and choose appropriate products. High literacy levels lead to greater financial independence and protection.
Relevant Products
The final pillar is financial products that are relevant to community needs. Not everyone needs the same services; for example, farmers in rural areas, informal workers, or MSMEs have different characteristics and challenges. Financial institutions need to offer flexible and affordable products, such as micro-savings, simple insurance, or financing without large collateral. The more products that "connect" with everyday life, the stronger financial inclusion in Indonesia.
Strong financial inclusion is not the result of a single party's work. The government, financial institutions, fintech, and the community need to work together. With easy access, sufficient knowledge, and relevant products, Indonesia can realize a truly inclusive financial system where everyone has the opportunity to grow and prosper.
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