Improving the potential of Laku Pandai (Branchless Banking) to develop sustainable financial inclusion

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The fund management and investment campaign will become a moral hazard to educational institutions as a center of knowledge and culture if it does not involve the community. Using the Smart Behavior Social Intervention Method in Taruma Jaya Village, Kertasari, Bandung Regency, socialize the skills development pattern and identify Laku Pandai's banking partners' income sources. This paper aims to increase product diversification in Laku Pandai associated with the potential for sustainable financial inclusion in the village of Taruma Jaya. Innovation and product alignment with 109 respondents collected and filled out questionnaires consists of the university, industry, government relations, innovation and production processes. The mechanism of interaction between Laku Pandai and the five variables has had a positive impact on the improvement of output at a significant level of 0.05 and the university has the lowest significance compared with other variables. The results show the potential benefits for Laku Pandai when collaboration can boost their products' performance and enable people around Citarum, in particular Kilometer 0 Area, to find job diversification initiated from support for branchless banking to start up business with access to finance.

Original languageEnglish
Article number012088
JournalIOP Conference Series: Earth and Environmental Science
Issue number1
Publication statusPublished - 1 Apr 2021
Event1st Journal of Environmental Science and Sustainable Development Symposium, JESSD 2020 - Jakarta, Virtual, Indonesia
Duration: 28 Sept 202030 Sept 2020


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