Financial Inclusion in Indonesia: Application of MSME Accelerating Model to Access Bank Financing

Adiandari, Ade Maharini and Hendra, Winata (2018) Financial Inclusion in Indonesia: Application of MSME Accelerating Model to Access Bank Financing. Review of Integrative Business and Economics Research, 7. pp. 276-298. ISSN 2304-1013

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Abstract

This study explores the factors that increase the banking financing access of micro, small, and medium-scale enterprise (MSME), which impact the financial inclusion of this sector in Indonesia. This study also discussed the importance of this line of research given the crucial role of MSMEs in economic growth, increased job opportunities, and strong export structure. However, only 22% of MSMEs from the total of 56.4 million MSMEs in Indonesia in 2014 have access to bank financing. This finding directly demonstrated low MSME financial inclusion level in Indonesia. This study employs convergent interviewing techniques to highlight key issues related to factors that can accelerate the opportunities of MSMEs to gain access to bank financing. The study was conducted based on information from two perspectives, namely, the MSME as borrowers and the bank as lender. Research result yields that the creation of MSME acceleration model must be accessed in bank financing to increase the financial inclusion of MSME sector in Indonesia. Keywords: Banking Financing, Convergent Interviewing, Financial Inclusion, MSMEs.

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