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Rr. Retno Rizki Dini Yuliana
Pusat Penelitian Ekonomi - Lembaga Ilmu Pengetahuan Indonesia

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BANK STRATEGIES THAT LEAD TO FINANCIAL INCLUSION FOR THE FISHING INDUSTRY: A CASE STUDY OF MALANG AND CIREBON REGENCIES Rr. Retno Rizki Dini Yuliana
Jurnal Ekonomi dan Pembangunan Vol. 24 No. 2 (2016): Jurnal Ekonomi dan Pembangunan
Publisher : BRIN Publishing (Penerbit BRIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/JEP.24.2.2016.121-135

Abstract

                                                                                The purpose of this study is (1) to identify the factors (internal and external) in bank credit for the capture fisheries sector, (2) to analyze the strengths and weaknesses of bank credit for this sector, (3) to study the opportunities and threats in this sector, and (4) to formulate policy strategies that can be used by banks that lead to financial inclusion. This research uses SWOT analysis, and the result showed the banks in Malang and Cirebon regency have different credit strategies to improve financial inclusiveness in the capture fisheries sector. Banks in Malang Regency are in a position of turn over strategy, requiring the creation of special credits for fishing and fishermen, to improving marketing strategies, and banking education for fishermen. Meanwhile, banks in Cirebon Regency need an aggressive strategy to find other ways to create or increase credit programs that use other forms of collateral.
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