Study of Branchless Banking Impact on Increasing Household Access to Financial Services – Bank Indonesia, 2012
The study attempts to attempts to analyze the impact of branchless banking implementation toward financial inclusion. It measure factors that affected ownership of saving account. As branchless banking concept has been started to be implemented in Indonesia, this study also aims to analyze the impact of branchless banking on ownership of saving account through quantitative method. Besides, it analyzes the efficiency of branchless banking transaction cost. Lastly, it inquires the best branchless banking model to be implemented in Indonesia.
Study of Branchless Banking Impact on Increasing Household Access to Financial Services, Bank of Indonesia, 2012
The study attempts to analyze the impact of branchless banking implementation toward financial inclusion. It measures factors that affected ownership of saving account. As branchless banking concept has been started to be implemented in Indonesia, this study also aims to analyze the impact of branchless banking on ownership of saving account through quantitative method. Besides, it analyzes the efficiency of branchless banking transaction cost. Lastly, it inquires the best branchless banking model to be implemented in Indonesia.
Training of Trainers Program for BNP2TKI and BP3TKI Staffs On “Financial Literacy Training For Migrant Workers And Their Family” (The Implementation of “Financial Literacy Training for Migrant Workers Family” of BP3TKI), 2011 – The World Bank
The World Bank supported by BNP2TKI (National Board for Placement and Protection of Indonesian Migrant Workers) and REDI (Regional Economic Development Institute) conducted training of trainers (TOT) of “Financial Literacy Training for Migrant Worker Family” to BP3TKI instructors. The TOT was conducted in 2 phases for BP3TKI instructors at 19 regions in Indonesia: the first was held on March 29 – April 1, 2011, while the second was on April 5 – 8, 2011 at Santika Premiere Hotel, Jakarta. The TOT of Financial Literacy Training for Migrant Worker Family is an in-house training activity of BP3TKI instructors to be capable to perform financial literacy training for migrant worker and its family. The TOT aims to provide skills for BP3TKI instructors to afford performing financial literacy training as well as leading on general guidance of training implementation (module), and increasing skills for BP3TKI instructors to afford delivering materials of financial literacy training implementing participatory interactive method as well as guiding on manual book for trainer of financial literacy training for migrant worker family (module). The works was implemented to 19 BP3TKI in Indonesia. REDI trainers were also responsible to perform mknitoring and supervision to the implementation of the trained BP3TKI when delivering the training to migrant worker.
Training of Trainers “Banking And Remittances Education” (2011)
This activity was meant as a briefing for trainers of BRI bank Head Office. The ToT was held on BRI Pusdiklat office at Ragunan Jakarta from December 2-3 November 2011.
Training of Trainers on “Financial Literacy Training For Migrant Workers” at Mataram, West Nusa Tenggara (2011)
The purposes of the TOT are: (i) to provide knowledge to the ToT participants about the financial education materials for migrant workers; (ii) to provide skills to ToT participants on delivery of financial education materials using participatory-interactive methods; (iii) to enhance the capabilities and skills of participants in order to become trainers on financial education for migrant workers.
The ToT was held on November 22-24, 2011 in Lombok Garden Hotel. It was attended by 25 delegations from KBI Mataram, Banking (BRI, BNI, Mandiri and BCA), Disnakertrans of NTB Province, Cooperatives and SMEs of NTB Province and BP3TKI Mataram. This TOT was carried out using the method of in-class training for two days and one day of field trial.
Mentoring on “Financial Literacy Training for Migrant Workers” at Sumbawa Besar, West Nusa Tenggara, 2011
This activity was a continuation of the previous activity. All staff that had been trained, was given a change to practice it with REDI’s Master Trainer guidance and witnessing. Each session was reviewed and had some input from Master Trainer. This activity was held on December 16, 2011.
Qualitative Study on Mobile Banking in Indonesia, IFC – TRPC, 2009 – 2010
This study was conducted in East Java, Bali, Pontianak, West Kalimantan, and West Nusa Tenggara on 2009. In Indonesia, a large percentage of the population has little or no access to financial services due to geographical, infrastructural and cost barriers. Yet the mobile phone is already reaching between 90 million to 120 million people. The study was intended to identify the feasibility of mobile phones in providing financial services to the millions of customers for the first time. REDI was responsible to conduct Focus Group Discussion with mobile phones users in 8 locations in Indonesia. In this study REDI was working with TRPC Singapore.
The Household Survey on Access to Financial Service, The World Bank, 2007 – 2008
In this project, REDI provided consulting service to implement the household survey on access to financial service in Indonesia for The World Bank. The main objectives of the survey are to identify and understand the existing degree and resources of financial access for Indonesian household and the existing constraints in accessing financial services. The project was divided into 2 Batches. Batch I started on June 2007 and completed in August 2007 in 3 provinces; while Batch 2 started on October 2007 and completed in January 2008 at 10 provinces, they are: East Java, Banten, West Java, Central Java, Aceh, Jambi, West Kalimantan, North Sulawesi, North Maluku, and West Nusa Tenggara. The survey team interviewed 3,360 households and 448 heads of village. REDI prepared and conducted all stages of this survey, from discussing questionnaire, preparing researcher team, determining local partners, training the team, data collection, monitoring and supervision, logistics arrangement, data management, and final data submission from field survey using CS Pro program to The World Bank.
The household survey on access to financial services in Java and Nusa Tenggara for migrant workers and their families, The World Bank – ANTARA, July – September 2008
The survey was intended to identify migrant workers’ financial needs/difficulties to access financial services and the level of their financial literacy. REDI was hired by the World Bank and ANTARA to carry out preparation, implementation, and reporting for the migrant workers’ household access to finance survey. The household survey was carried out in at three provinces: East Java (Gresik and Kabupaten Malang), West Nusa Tenggara (Lombok and Sumbawa), and East Nusa Tenggara (Kabupaten Kupang, Kota Kupang, Kabupaten Flores Timur, Kabupaten Lembata, Kabupaten Sumba Barat, and Kabupaten Sumba Barat Daya). The total respondents surveyed were 2,700 respondents.
Exporters Survey on Trade Finance in Indonesia, The World Bank, February 2009
The global financial crisis has started to affect Indonesian exporter access to trade finance facilities. The fact that global financial crisis continue to un-wind, the tightening of credit will eventually become a serious problem for exporters. REDI was hired by the World Bank to carry out preparation, implementation, and reporting for the Exporters Survey on Trade Finance in Indonesia. In the survey, 102 companies located at East Java, Central Java, and West Java were interviewed.
Study of the Implementation of Kredit Usaha Rakyat – KUR (People’s Business Credit), The World Bank, 2009 – 2010
The KUR program aims to increase access to credit by encouraging banks to provide credit for cooperatives and MSMEs (Micro Small and Medium Entrepreneurs) that run feasible businesses but currently unbanked. KUR credit particularly targeted to those cooperatives and MSMEs which have never received credits from banks. The focus of the research is on program management and deliverables of KUR, reaching out the target group and identifying the impact of the program.
BPR, LPD and BUMDes MFI Customer Satisfaction Survey, GTZ-ProFI, 2005, 2006, 2009
This survey was intended to measure the satisfaction of BPR (rural bank) customers in Indonesia, LPD (village level financial institution) customers in Bali, and BUMDes MFI in West Nusa Tenggara Province on 2009. Prior to the survey, REDI also conducted two similar surveys in 2005 and 2006. This survey was fully managed by REDI from preparation until reporting. It was conducted for GTZ-ProFI.
Finance for Small Enterprise Study, East Java Small Business Survey, JBIC – DAI, August – September 2003
The survey was an effort to study and to examine an approach to increase the growth of small and medium enterprises (SMEs) and also to create employment through the improvement of SME’s access to financial institution. The study is conducted by using survey method, in which to carry out the survey DAI appointed REDI. The survey team interviewed 1,267 small businesses in 9 areas in East Java Province, Indonesia.
The responsibilities of REDI including: assisting in determining the research design; assisting in integrating the survey instrument into the local context; implementing field survey including the organization of survey team, transportation, logistics, and any related costs for survey team; processing and tabulating survey responses; contributing to analysis of the data in conjunction with the DAI Econometric/Survey Specialist and contributing to final report. The survey was conducted by REDI and funded by JBIC (Japan Bank for International Cooperation) through DAI (Development Alternatives Inc.).
Comparative Study: Financial Services, Products and Terms for Small Enterprises in East Java, JBIC – DAI, January – May 2004
The objective of this study is to gather information on the current products being offered by financial institutions in order to obtain deeper understanding of the market. The findings are analyzed to prioritize products gaps by their potential economic returns. In this study, the researcher team conducted series of in-depth interviews with 10 banks, both national and local banks, operated in East Java Province.
In this survey, the responsibilities of REDI including: assisting in determining the research design; organizing the survey team; organizing transportation, logistics, and any related costs for survey team; processing and tabulating survey responses; contributing to analysis of the data in conjunction with the DAI micro finance expert and contributing to final report.
The study was conducted by REDI and a micro finance expert from DAI. The study was funded by JBIC (Japan Bank for International Cooperation) through DAI (Development Alternatives Inc.).