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Demand For Mobile Money And Branchless Banking Among Micro And Small Enterprises In Indonesia

Micro and small enterprises (MSEs) represent a significant portion of Indonesia’s economic and employment activity. They constitute 98 percent of all businesses and provide 94 percent of employment. MSEs represent the most significant portion of economic activity for the poor population of Indonesia; the poor are more likely than other income groups to use MSEs not only for employment and income generation but also for consumption. MSEs are therefore important links in the chain of financial inclusion and poverty reduction. By bringing more MSEs into the formal financial sector, it is expected that more of the poor population of Indonesia will also be provided with financial services.

The potential of mobile money and branchless banking (MM & BB) services to provide financial services to previously “unbanked” market segments has been widely noted around the world, but this potential has not been realised in Indonesia. These services use a combination of new technology using mobile phones and agents as local service points to provide financial services to customers and locations that would otherwise be uneconomical to reach with conventional financial services.

This study assesses the potential demand for MM & BB services from MSEs in Indonesia, drawing on both quantitative and qualitative data obtained through 400 survey interviews with MSE owners and 16 focus groups distributed evenly across four provinces: Bali, South Sumatra, South Sulawesi, and West Java. The study was conducted in August and September 2013.

Ketersediaan
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Belum memasukkan lokasi 332.1 STU d c.1
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Informasi Detail
Judul Seri
Working Paper
No. Panggil
332.1 STU d
Penerbit
Jakarta : TNP2K.,
Deskripsi Fisik
xii, 46 Halaman, PDF
Bahasa
English
ISBN/ISSN
-
Klasifikasi
332.1
Tipe Isi
Hardcopy & Softcopy
Tipe Media
Hardcopy & Softcopy
Tipe Pembawa
-
Edisi
TNP2K Working Paper 16 - 2014
Subjek
Perbankan
Info Detail Spesifik
-
Pernyataan Tanggungjawab
Versi lain/terkait

Tidak tersedia versi lain

Lampiran Berkas
  • Demand For Mobile Money And Branchless Banking Among Micro And Small Enterprises In Indonesia
    Micro and small enterprises (MSEs) represent a significant portion of Indonesia’s economic and employment activity. They constitute 98 percent of all businesses and provide 94 percent of employment. MSEs represent the most significant portion of economic activity for the poor population of Indonesia; the poor are more likely than other income groups to use MSEs not only for employment and income generation but also for consumption. MSEs are therefore important links in the chain of financial inclusion and poverty reduction. By bringing more MSEs into the formal financial sector, it is expected that more of the poor population of Indonesia will also be provided with financial services. The potential of mobile money and branchless banking (MM & BB) services to provide financial services to previously “unbanked” market segments has been widely noted around the world, but this potential has not been realised in Indonesia. These services use a combination of new technology using mobile phones and agents as local service points to provide financial services to customers and locations that would otherwise be uneconomical to reach with conventional financial services. This study assesses the potential demand for MM & BB services from MSEs in Indonesia, drawing on both quantitative and qualitative data obtained through 400 survey interviews with MSE owners and 16 focus groups distributed evenly across four provinces: Bali, South Sumatra, South Sulawesi, and West Java. The study was conducted in August and September 2013.
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