{"id":10080,"date":"2017-05-09T16:08:27","date_gmt":"2017-05-09T07:08:27","guid":{"rendered":"http:\/\/www.pp.u-tokyo.ac.jp\/?post_type=student-bulletin&#038;p=10080"},"modified":"2017-05-09T17:01:57","modified_gmt":"2017-05-09T08:01:57","slug":"2017-05-09-10080","status":"publish","type":"student-bulletin","link":"https:\/\/graspp.neopa.jp\/student-bulletin\/2017-05-09-10080\/","title":{"rendered":"Lunchtime Talk &#8220;Financial Inclusion Program in Indonesia: Evidence from Aceh and Nusa Tenggara Barat (NTB)&#8221; By Dr. Chaikal Nuryakin, Associate Professor at Faculty of Economics and Business, University of Indonesia"},"content":{"rendered":"<p><span lang=\"EN-US\">12:30-13:30 | Thursday, May 18, 2017<img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/www.pp.u-tokyo.ac.jp\/wp-content\/uploads\/2017\/05\/37e3808047553cedb34daa9b1d7ab2a3-282x300.jpg\" alt=\"\" class=\"wp-image-10081 alignright\" width=\"201\" height=\"213\" srcset=\"https:\/\/graspp.neopa.jp\/wp-content\/uploads\/2017\/05\/37e3808047553cedb34daa9b1d7ab2a3-282x300.jpg 282w, https:\/\/graspp.neopa.jp\/wp-content\/uploads\/2017\/05\/37e3808047553cedb34daa9b1d7ab2a3.jpg 472w\" sizes=\"auto, (max-width: 201px) 100vw, 201px\" \/><\/span><span lang=\"EN-US\"><\/span><\/p>\n<p><span lang=\"EN-US\">Room 610, Graduate School of Public Policy<\/span><span lang=\"EN-US\"><\/span><\/p>\n<p><span lang=\"EN-US\">Administration Bureau Building 2, Hongo Campus<\/span><span lang=\"EN-US\"><\/span><\/p>\n<p><span lang=\"EN-US\">In English<\/span><\/p>\n<p><span lang=\"EN-US\">You may bring your own lunch; otherwise light snacks and drink will be served.<\/span><\/p>\n<p><span lang=\"EN-US\">\u00a0<\/span><\/p>\n<p><span lang=\"EN-US\">Indonesia&#8217;s program of financial inclusion is mainly done in two ways: digital financial services (LKD) and branchless banking (LAKU PANDAI). LKD was launched by Bank Indonesia in 2009 and LAKU PANDAI was launched by Indonesia Financial Authority (OJK) in 2014. Both programs depend on the extensive network of agents to outreach people who are excluded from formal financial services. This study is a preliminary survey on the progress of the two programs especially on its inclusiveness, challenges, and potential. We found that the two programs only have inclusion penetration of around 10% and are mostly used by people who already have bank accounts.<\/span><\/p>\n<p><a href=\"http:\/\/www.pp.u-tokyo.ac.jp\/wp-content\/uploads\/2017\/05\/Flier_ChaikalNuryakin_LunchtimeTalk_20170518.pdf\">Flier_ChaikalNuryakin_LunchtimeTalk_20170518<\/a><\/p>","protected":false},"featured_media":0,"template":"","student-bulletin-cat":[72],"student-bulletin-tag":[],"class_list":["post-10080","student-bulletin","type-student-bulletin","status-publish","hentry","student-bulletin-cat-event"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/student-bulletin\/10080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/student-bulletin"}],"about":[{"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/types\/student-bulletin"}],"wp:attachment":[{"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/media?parent=10080"}],"wp:term":[{"taxonomy":"student-bulletin-cat","embeddable":true,"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/student-bulletin-cat?post=10080"},{"taxonomy":"student-bulletin-tag","embeddable":true,"href":"https:\/\/graspp.neopa.jp\/en\/wp-json\/wp\/v2\/student-bulletin-tag?post=10080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}