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Penetrasi Layanan Perbankan Indonesia Tertinggal dari Malaysia | Databoks Home Penetrasi Layanan Perbankan Indonesia Tertinggal dari Malaysia Penetrasi Layanan Perbankan Indonesia Tertinggal dari Malaysia Penetrasi Layanan Perbankan Beberapa Negara Asia Sumber : SDILab, 2017
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Penetrasi perbankan di Indonesia masih rendah dibandingkan beberapa negara Asia seperti Malaysia, Thailand maupun India. Data SDI Lab menunjukkan bahwa masyarakat Indonesia dewasa yang memiliki rekening perbankan hanya 36 persen. Artinya masih sekitar 64 persen penduduk yang belum tersentuh akses perbankan.
Besarnya masyarakat yang belum tersentuh layanan perbankan tersebut merupakan potensi untuk digarap layanan finansial teknologi (fintech ), terutama jasa Per to Per (P2P) lending . Sebab akses masyarakat terhadap kredit perbankan juga masih kecil.
Berdasarkan data Bank Indonesia, pada Juni 2017 kredit perbankan saat ini baru mencapai 34,8 persen dari Produk Domestik Bruto (PDB) hampir mencapai Rp 13 ribu triliun. Sedangkan kredit untuk sektor Usaha Mikro Kecil dan Menengah (UMKM) hanya 6,84 persen dari PDB atau sekitar 19,63 persen dari total kredit perbankan.
data terkait
