Ekonomi dan Bisnis

Punya 17.000 Pulau, Indonesia Cocok Kembangkan Keuangan Digital


JAKARTA – Data statistik menyebutkan bahwa tingkat inklusi keuangan baru mencapai level 40%. Artinya, 60% masyarakat masih menggunakan jasa keuangan informal yang cenderung riskan lantara di luar pantauan dari Otoritas Jasa Keuangan (OJK).

Direktur Operasional & Sistem OJK Fithri Hadi mengatakan, kondisi tersebut dilatarbelakangi oleh demografis Indonesia yang terdiri dari ribuan pulau.

Gambar Ilustrasi: Keuangan Digital – Internet

“Demikian di jasa keuangan, tantangannya adalah sulitnya menjangkau seluruh pulau dan melayani masyarakat. Ada sebanyak 17.000 kepulauan sehingga tidak mudah mengelola,” ujarnya dalam acara indoFintech di Wisma Antara, Jakarta, Rabu (15/11/2017).

Oleh karena itu, maka OJK sangat mendorong perkembangan keuangan digital. Inovasi tersebut, menurutnya menjadi jawaban atas tantangan peningkatan inklusi keuangan formal. “Peran mereka sangat dibutuhkan karena masyarakat di banyak kepulauan tidak bisa berhenti dari aktivitas ekonomi yang berhubungan dengan uang dan surat berharga,” kata Hadi.

Dia meyakini, keuangan digital dapat diaplikasi dan dimanfaatkan oleh masyarakat Indonesia. Pasalanya, keuangan digital juga telah berhasil mendorong perekonomian rakyat China. Meskipun, pada awalnya penerapan keuangan digital pasti akan mengalami hambatan.

“Success story terjadi di China. Di balik itu ada konsep ekonomi digital yang betul- betul baru, yang sebelumnya susah dipahami,” tukas dia.


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