Surabaya (Jatimsmart.id) – 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)

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