Surabaya ( – Bank Indonesia meluncurkan Buku Pedoman Pengembangan Ekonomi dan Keuangan Inklusif berbasis Kelompok Subsisten​, pada, Jum’at (19/5/2023). 

Deputi Gubernur Bank Indonesia, Juda Agung mengatakan, buku ini diharapkan dapat menjadi pedoman dalam pengembangan kelompok subsisten bagi seluruh pihak baik Pemerintah Daerah, Kementerian/Lembaga dan Bank Indonesia, serta berbagai pihak yang memiliki perhatian terhadap kelompok susbsisten atau masyarakat berpenghasilan rendah (MBR) dan memiliki keterbatasan akses pada lembaga keuangan formal. Lebih lanjut, buku Pedoman ini diharapkan dapat mendorong kelompok subsisten menjadi pelaku usaha yang berkembang baik dari aspek keuangan inklusif, pengembangan usaha, maupun kelembagaannya.

Dalam kesempatan itu ia juga menyampaikan pentingnya pengembangan kelompok subsisten dalam hal ini adalah untuk mendorong pertumbuhan ekonomi melalui upaya penguatan konsumsi rumah tangga, yang didalamnya termasuk kelompok subsisten. 

Deputi Gubernur Juda menekankan upaya peningkatan yang dilakukan Bank Indonesia yakni dengan memperluas inklusifitas melalui dukungan kapasitas, akses pasar dan keuangan, sehingga kelompok susbsisten dapat mengelola keuangannya serta membuat produk yang berkualitas dan branding menarik.

Dalam implementasi pengembangan kelompok subsisten, Bank Indonesia mengambil langkah pendekatan kebijakan yang mengintegrasikan inklusi keuangan dengan pemberdayaan ekonomi masyarakat melalui framework Strategi Nasional Ekonomi dan Keuangan Inklusif (SNEKI) untuk mendukung capaian Strategi Nasional Keuangan Inklusif (SNKI). Bank Indonesia pada tahun 2021, telah mengembangkan model bisnis pengembangan ekonomi dan keuangan inklusif berbasis kelompok subsisten. Sebuah program yang menyasar kelompok subsisten diantaranya merupakan penerima bansos, serta memiliki rintisan usaha, kemudian diarahkan untuk membentuk usaha mikro yang prospektif serta didorong menggunakan produk dan layanan keuangan formal untuk mendukung kegiatan ekonomi produktif sehingga mencapai kemandirian ekonomi dan naik kelas.

Kepala Departemen Pengembangan UMKM dan Perlindungan Konsumen, Yunita Resmi Sari melaporkan bahwa program ini telah diimplementasikan dalam bentuk pilot project selama dua tahun (2021-2022) di 8 wilayah Kantor Perwakilan BI Dalam Negeri (KPwDN) dengan telah menghasilkan perbaikan pada berbagai aspek seperti kepemilikian rekening, peningkatan kapasitas usaha, dan pembentukan kelembagaan. Selanjutnya,  pada tahun 2022 model bisnis pengembangan dimaksud telah direplikasi di seluruh 46 wilayah KPwDN. Hingga akhir tahun 2022, telah terbentuk sebanyak 93 kelompok subsisten.

Peluncuran turut dirangkai dengan talk show bertema “Sinergi Pemberdayaan Kelompok Subsisten untuk Inklusi Ekonomi dan Keuangan yang Berkelanjutan” dengan narasumber Kepala Grup Pengembangan UMKM dan Keuangan Inklusif BI, Elsya MS Chani, Ketua Yayasan Dreamdelion Indonesia selaku Implementing Partner dalam Pilot Project Pengembangan Kelompok Subsisten (2021-2022), Aryo Dwi Harprayudi, Asisten Deputi Pengarusutamaan Gender Bidang Ekonomi Kementerian PPPA, Eko Novi Ariyanti, dan Pelaku Usaha Perempuan yang diwakili oleh local leader KWT Jadi Makmur, Tati Suharni, binaan KPwBI Provinsi Kepulauan Riau yang merupakan kelompok subsisten pilot project  terbaik tahun 2022. Diskusi dalam talkshow diantaranya membahas mengenai pentingnya sinergi dalam pengembangan ekonomi dan keuangan inklusif berbasis kelompok subsisten, berbagai hal yang perlu mendapatkan perhatian (lesson learned), tantangan dalam implementasi program dalam upaya mengembangkan kelompok subsisten di Indonesia serta upaya pengembangan ke depan. (red/kjt)


  1. I was wondering if you ever considered changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?

  2. wonderful publish, very informative. I’m wondering why the other experts of this sector do not understand this. You should continue your writing. I am sure, you have a huge readers’ base already!

  3. Hi, I do believe this is an excellent website. I stumbledupon it 😉 I will return once again since I book marked it. Money and freedom is the best way to change, may you be rich and continue to help other people.

  4. I do consider all the concepts you have presented in your post. They are very convincing and will definitely work. Still, the posts are too quick for novices. May you please extend them a bit from next time? Thank you for the post.

  5. I used to be recommended this website via my cousin. I am not sure whether this submit is written by means of him as no one else recognize such specific approximately my difficulty. You are amazing! Thank you!

  6. Hi there, I believe your web site might be having internet browser compatibility issues. When I look at your website in Safari, it looks fine however, if opening in IE, it has some overlapping issues. I just wanted to give you a quick heads up! Besides that, wonderful website!

  7. Hi! I’ve been following your site for a long time now and finally got the bravery to go ahead and give you a shout out from Lubbock Tx! Just wanted to tell you keep up the great job!

  8. First off I want to say wonderful blog! I had a quick question in which I’d like to ask if you don’t mind. I was curious to know how you center yourself and clear your mind before writing. I have had a tough time clearing my mind in getting my thoughts out. I do enjoy writing but it just seems like the first 10 to 15 minutes are generally wasted just trying to figure out how to begin. Any suggestions or tips? Thanks!

  9. Hey there! I realize this is kind of off-topic but I had to ask. Does building a well-established blog like yours take a massive amount work? I’m completely new to operating a blog but I do write in my diary everyday. I’d like to start a blog so I will be able to share my experience and thoughts online. Please let me know if you have any suggestions or tips for new aspiring bloggers. Appreciate it!

  10. Please let me know if you’re looking for a article writer for your weblog. You have some really great posts and I believe I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Thank you!

  11. You can definitely see your enthusiasm in the article you write. The world hopes for more passionate writers like you who aren’t afraid to mention how they believe. Always go after your heart.

  12. Good day! I could have sworn I’ve been to this blog before but after browsing through some of the post I realized it’s new to me. Anyways, I’m definitely glad I found it and I’ll be bookmarking and checking back often!

  13. Hey there! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the same niche. Your blog provided us useful information to work on. You have done a extraordinary job!

  14. Its like you read my mind! You seem to know so much approximately this, like you wrote the e-book in it or something. I feel that you simply could do with some p.c. to pressure the message house a bit, however other than that, this is great blog. An excellent read. I’ll definitely be back.

  15. I’m really enjoying the theme/design of your blog. Do you ever run into any web browser compatibility problems?

    A couple of my blog visitors have complained
    about my site not working correctly in Explorer but looks great in Firefox.
    Do you have any solutions to help fix this problem?

  16. Unquestionably believe that which you stated. Your favorite justification appeared to be on the net the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they plainly do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks


Please enter your comment!
Please enter your name here