This study aims to determine the Management of Village Fund Management in Jungke Village Permata District Bener Meriah Regency and the factors that influence it to achieve these objectives used qualitative research methods by breaking down the data descriptively. Data collection techniques were carried out by interview, document and archive observation using qualitative descriptive analysis techniques. The results of the study show: First the management stages of Village Fund Management in Jungke Village include Planning and Implementation of Reporting and Accountability Administration. Management of Village Fund Management is carried out by the Government of Jungke Village, Permata District, Bener Meriah Regency, and has followed the technical guidelines that have been regulated in the legislation. But in the process is still not optimal. This can be seen from the process of reporting and accountability that is experiencing delays. For the Reporting Process of Realizing the Use of Village Funds not in accordance with the predetermined schedule, causing delays in disbursing funds for the next stage. Likewise with the Responsibility for the use of village funds so that the community cannot evaluate the results of the work of the village government and the Accountability to the Regional Government which is not carried out in a timely manner. Second: Factors that influence the management of village funds include supporting and inhibiting factors. Supporting factors are community participation, facilities and infrastructure, while the inhibiting factors are human resources, technical guidelines for managing village funds that change every year and communication.

This article was written to see how technology plays a role in improving the financial inclusiveness of banking institutions and the role of government and regulator as well. Technology that has grown rapidly in recent decades has been able to make rapid progress in the industry and change people's behavior. Technology is becoming an inevitability that encourages progress in the economy. Banking as one of the supporting sectors of the financial institution industry, need to do efforts continuously to develop through innovation in fulfilling the needs of financial services, in order to improve performance with the application of technology. Using the approach of literature review and former empirical study, the author tries to perform qualitative description analysis of technological role in increasing financial inclusiveness of banking institution and role of the government and regulator as well. The results show that technology has an important role in boosting strategy to increase financial inclusiveness through improving financial performance. Regardless of the role of government and regulator to create condusiveness of the such technological role.

No abstract

Through OJK regulations, SE OJK No. 6 / SE.OJK.03 / 2015 taggal 06 February 2015 concerning Officeless Financial Services in the Framework of Financial Inclusion known as Laku Pandai, a branchless banking service program has been launched in order to improve banking access to the lower class, especially unbanked people. The development of the Laku Pandai (branchless banking) program in the last 5 years has been able to contribute to a significant increase in Indonesia's financial inclusion index. Economic theory states that increasing financial inclusion will increase inclusive growth. Inclusive growth can be said as growth that involves participation of all, namely growth without discrimination and is able to involve all economic sectors (Klasen, 2010). Inclusive growth allows everyone to contribute to and benefit from economic growth. This paper will attempt to review from an institutional economic perspective regarding bank agent services called Branchless Banking. To provide an overview of the implementation of the Laku Pandai bank agent program, the author will take a case study of application in the Province of Bali based on the research I conducted in 2018. How the Laku Pandai program as a form of inclusive financial services from an institutional economic perspective can increase financial inclusion and benefit community economy.

According to Law no. 07 of 1992 concerning Banking, there are 2 types of banks in Indonesia, namely Commercial Banks and BPRs. BPR in Indonesia as of November 2019 according to the Indonesian Banking Statistics Report, amounting to 1,552.  Looking at the history of its establishment, BPRs have existed since the colonial era and have close relationships with rural / small communities. Given this, to improve services to the community, with government policies through Pakto 88 and Kepres No. 38 of 1988 regarding the establishment of BPR made easier.Currently, BPRs face tough challenges amid the rapidly changing external industrial environment such as competition, government policies, macroeconomic conditions, fintech developments and others. This development has indirectly reduced the profitability performance of rural banks over the past 5 years. However, on the other hand, during the last 5 years, BPRs have been able to show business development and support real sector financing, especially MSMEs. This paper aims to analyze the challenges faced, the role and efforts to develop BPRs so that in the future BPRs will continue to develop and play a role in supporting the progress of the Indonesian economy.